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Having this insurance helps to takes money out of the equation as I make pet care decisions (although no cost is too high, as far as my pets are concerned). I also like the idea that multiple pet owners pool resources through pet insurance, which means that more pets are likely to receive the care they require. ASPCA used a pdf form for claims, which is not set for saving. This makes the claim process unduly clunky; however, they say this is being changed.

I've sent in many claims and have oly good service with all of them

AMAZING ON HOW QUICK THE CLAIM GOES THRU WHEN FAXING IN YOUR CLAIM. SO MY EXPERIENCE HAS BEEN FAXING MY INJURY & ILLNESS CLAIMS FOR MY PRECIOUS ENGLISH BULLDOG.

I had shopped for many insurances before signing up with Embrace with my new puppy. I liked the fact that they have a wellness plan which I had signed up for. The reimbursement process is so easy. I recommend this plan to every pet owner out there----customer service is great, discounts for spay/neuter and microchipping is a big plus, you can choose your deductible, and the different plans that you want to participate is each plan year! I recommend it to every pet owner.

We submitted our bill and within a week we received an e-mail telling us that we would be reimbursed $730.35 out of a bill of $859.50. The exam fee of $48 was not covered. Then we received 90 per cent of our bill.

I never believed in pet insurance because & heard such horror stories about it. A friend of mine did some research & talked me into getting Trupanion. I picked my own deductable which made my premiums affordable. I only had the insurance for 5 months or so when my Pom injured her patella. I submitted a pre-approval claim with all the information they required, & they got back to me in a day or so & approved an estimate of $3184.00. I had the surgery, submitted the final invoice & had the check in a week or two. I was amazed. Trupanion made a believer out of me!! In the future, I will insure every dog I have, but only with Trupanion. I know I probably sound like a commercial for the company, but my experience was that good!!

My puppy has had a few minor non-routine issues in his first year. My Vet submits the claims for me, and I cannot believe how fast they are processed. I sometimes have the email confirmation that my claim has been received even before I get home from the Vet appointment, and the claims have always been processed within 1-3 days. The customer service team is great; someone always calls (and/or sends an email) when the claim is processed to go over the details and answer any questions. While they do not cover basic routine "maintenance-type" of issues -- yearly exam, vaccines, spay/neuter... these types of costs are expected and budget-able, and I believe this is what keeps the premium down. My premium is extremely manageable -- much lower than other Insurers, if not the lowest for the same or better coverage. I am glad I selected Healthy Paws, and they are there for the non-routine concerns and emergencies.

Great coverage at 90% and even covers prescription food at 50%!

Very prompt review of claims and very courteous phone personnel. The only difficulty we have had is with fax submissions--for some reason when the veterinarian has submitteed claims by fax they either get lost or are not received. Therefore I have taken to mailing claims.

Trupanion continues to be the best decision I made in 2011. I adopted my dog in June, signed up for the free trial insurance that month, and unfortunately discovered some health issues my puppy had in July. I continued the coverage and it has been seamless ever since. Email notification of the claim process is easy and clear, and coverage is received in the mail within a week or two of filing the claim. I never feel like I have to "prove" that claims are related, and ongoing care following bone surgery was covered with no problems. We complain all the time that we wish our human insurance was as good as our pet insurance. We will be loyal customers for a long time!