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They are fare when it comes to coverage, and excellent in regards to turn around time from when you submit until you receive payment.

My dog has liver issues, and though she was too old to get the alternative procedures rider, most of her yearly procedures are covered. My review would be a 10 if she was able to get the alternative care rider even as an old dog. The customer service is above and beyond any I have experienced, What other company calls just to ask how your dog is doing? All my claims have been processed quickly and I never have issues getting answers to my questions.

Trupanion has the fastest response time I have ever experienced with any insurance company I have ever had to file a claim with (house, car, personal health, etc). Their customer service is incredibly friendly and helpful, and their communication is top notch. I always received a response by phone or email in less than 24 hours from initiating a claim.

Trupanion has the fastest response time I have ever experienced with any insurance company I have ever had to file a claim with (house, car, personal health, etc). Their customer service is incredibly friendly and helpful, and their communication is top notch. I always received a response by phone or email in less than 24 hours from initiating a claim.

I have a Great Dane, who tore his acl. This is a very expensive surgery. Luckily I had pet insurance with Embrace. But this was my first time making a claim and I had my doubts about getting my money. And at first there was a little confusion in regards to my dogs medical records (they want to see everything in his file including shot records, I orginally just sent stuff pertaining to the injury). But after I got everything sent, I received a check very quickly. I do want to add that I did call a few times to see what the hold up was, and the people I talked with were extremely nice. So the question is am I satisfied? Nice people and I got my money, so yes I am!!!!

Healthy Paws took care of my little pug, Lucy. She's only six months old, and like most puppies, gets into everything. She began throwing up and had a high temperature. When I brought her to the vet, they figured out she had gotten into something because her liver values were sky high (she had gone into shock). She stayed for four days. Because Healthy Paws had my back, I knew I didn't have to choose between giving her the care she needed, or letting her go. Four days later, she was a bouncing, healthy baby again, and just a few days after that, I received my reimbursement check from Healthy Paws. They covered exactly what they said they would. I love this company! I recommended them to all my friends and family. Plus, the person on the phone and web were all so pleasant!!

They will do everything in their power to not pay. Apparently a 2 year old dog has a history of osteoarthritis. All their proof comes from treatments that occurred AFTER we started the insurance plan. We tried some chiropractic treatments which I paid out of pocket rather than get the rider in order to reduce some stiffness in her shoulder. The only way to challenge a claim is for your vet to write a clarification letter. My vet doesn't feel comfortable writing such a letter as she has endured harassing calls from insurance companies when she has done it, including Trupanion apparently and has her business to consider.I believe it. When I called to get clarification on what would be covered they tried to use fear to keep me from cancelling.

They will do everything in their power to not pay. Apparently a 2 year old dog has a history of osteoarthritis. All their proof comes from treatments that occurred AFTER we started the insurance plan. We tried some chiropractic treatments which I paid out of pocket rather than get the rider in order to reduce some stiffness in her shoulder. The only way to challenge a claim is for your vet to write a clarification letter. My vet doesn't feel comfortable writing such a letter as she has endured harassing calls from insurance companies when she has done it, including Trupanion apparently and has her business to consider.I believe it. When I called to get clarification on what would be covered they tried to use fear to keep me from cancelling.

My sweet golden has arthritis and gets scheduled adequan injections. The claims i submit for these are always paid by embrace quickly. And efficiently. And abbey feels like a new dog!

I was skeptical on purchasing any type of pet insurance but owning Golden Retrievers, having our last precious one pass from cancer, I began looking for a reputable company we could trust in case we were 'there' again. I'm so glad we did and glad we chose Embrace after researching many options. Our first covered claim for illness was an oral mass. We were deeply concerned to see this growth in our 5 yr old furbaby's mouth appear but her amazing vet took great care of her we are thankful to God this growth was benign. Receiving claim payment (after the deductible) certainly helped with the total out of pocket costs. Libby did not have any non-wellness claims the first year with Embrace so when she needed surgery to remove this mass, we were able to have a discounted deductible too (credit for no illness claims until our second policy year). The staff at Embrace have been very professional, quick to respond and very helpful. I would have rated the overall higher but this claim was marked complete in error before it was processed for payment, however, once I brought that to the claims department's attention, it was immediately responded to and the claim was processed with payment in just a few short days. Mistakes do happen but what impressed me most was how it was immediately handled and expedited to a manager (without me asking for that). Because of this as well, I am impressed with their service; enough to continue to carry the insurance with Embrace for our furry girl.