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I insured my Doberman puppy when he was 4 mo old. Puppies being puppies, I figured he would end up getting into something. Trupanion said the younger the age I start the insurance the better because at his age he hasn't typically developed any problems. They cover illnesses that develop 30 days after being on insurance and injuries are covered immediately. They do direct billing with many vets in my home city of Calgary. I really like that as vet bills are often VERY outrageous. Vets sure like to over charge. They don't have a list available to show who does direct billing; too hard to keep track for them. It will be up to the insured to ask about direct billing with your vet. The insurance I got for Tracer was one that gave me the best coverage. Zero deductible-meaning I don't have to pay a certain percentage of vet costs before they cover the rest, with 90% reimbursement of my bill, minus the cost of the exam fee. Upon my first claim they expressed sincere concern. It was clear in the tone and pitch of the rep I spoke to that they love animals. I was provided with good customer service with a bit of a personal touch. I was given good direction as to what I needed to do for my 1st, hopefully last, claim. I received an emailed form to bring to my vet to fill out within minutes of calling Trupanion so I was able to get Tracer to the Dr quickly. This saved me from having to make two trips to my vet- one for my puppy & one to submit form. It helps if the vet assistants at the

Thank you Embrace! We were able to focus on caring for Riley before and after surgery and not have the worry of how we would pay for her splenectomy. Because we had the comfort of knowing Embrace was there we didn't have to factor money into the decision of removing her spleen/mass. It was an easy decision only based on how it would benefit her. No worries!

My cat has recurring bladder infections. However, what my cat has is not important in this review. What is important is Pets Best's process and living up to what they say. I have been reimbursed exactly what is stated in the policy. Pets Best says that they will respond within ten days and they always have. Moreover, they do direct deposit to your bank account the next day. It is so quick and convenient. I could not be more pleased with their no hassle handling of claims. I wish people insurance was this easy!

Trupanion is reliable, very straight forward,and easy to deal with company. We have an English Bulldog puppy and in his 7 months of life he has already had two surgeries in which we probably would not have been able to afford unless we had Trupanion. They not only have enhanced the life of our Rocko but our lives as well by helping us financially and allowing us to take great care of our pet!

Trupanion is reliable, very straight forward,and easy to deal with company. We have an English Bulldog puppy and in his 7 months of life he has already had two surgeries in which we probably would not have been able to afford unless we had Trupanion. They not only have enhanced the life of our Rocko but our lives as well by helping us financially and allowing us to take great care of our pet!

My rescue dog,Riley, tore her cruciate ligament while chasing a bunny. She needed surgery to repair the ligament and it was quite costly. We submitted a claim to Trupanion and within 2-3 weeks 90% of the claim was reimbursed to us after we paid the deductible. Riley also has an ongoing liver problem and Trupanion also reimburses us for 90% of the monthly cost for medicine. I am very glad that we made the decision to insure Riley.

My rescue dog,Riley, tore her cruciate ligament while chasing a bunny. She needed surgery to repair the ligament and it was quite costly. We submitted a claim to Trupanion and within 2-3 weeks 90% of the claim was reimbursed to us after we paid the deductible. Riley also has an ongoing liver problem and Trupanion also reimburses us for 90% of the monthly cost for medicine. I am very glad that we made the decision to insure Riley.

Awhile back I had VPI for medical. They kept raising rates and reimbursing very little. I decided to switch to Trupanion. At first with a high deducible, which we could rarely meet. We recently decided to substantially decrease the deductible; but obviously increasing the monthly premium by quite a bit. Out dog was getting older (10 years) and thought that at that age he 'might' be having more health issues. Well, just a few months after doing so he has had those 'issues'. At this point we have had well over $6,000 in vet and hospital bills. We are still in the process of his diagnosis/treatment. SO far, Trupanion has been VERY understanding and responsive. We shall see how the future goes, but at this point I only have the highest regard for Trupanion. They appear to be very compassionate and responsive. Time will tell, but at this point they have been MUCH better than the prior insurance company. Our Rocky is a miniature Schnauzer about 10 years old. He has VERY high blood pressure which the 'docs' cannot seem to lower or diagnose the cause. HOPEFULLY...this will be resolved soon. Rocky is our boy; part of our family. And this is VERY stressful times. It is good to know that we have a great insurance company who is there to help us through this medical issue. EVERY time I call Trupanion they are VERY helpful and compassionate. NOT like the other company. My suggestion...give them a shot!!

Awhile back I had VPI for medical. They kept raising rates and reimbursing very little. I decided to switch to Trupanion. At first with a high deducible, which we could rarely meet. We recently decided to substantially decrease the deductible; but obviously increasing the monthly premium by quite a bit. Out dog was getting older (10 years) and thought that at that age he 'might' be having more health issues. Well, just a few months after doing so he has had those 'issues'. At this point we have had well over $6,000 in vet and hospital bills. We are still in the process of his diagnosis/treatment. SO far, Trupanion has been VERY understanding and responsive. We shall see how the future goes, but at this point I only have the highest regard for Trupanion. They appear to be very compassionate and responsive. Time will tell, but at this point they have been MUCH better than the prior insurance company. Our Rocky is a miniature Schnauzer about 10 years old. He has VERY high blood pressure which the 'docs' cannot seem to lower or diagnose the cause. HOPEFULLY...this will be resolved soon. Rocky is our boy; part of our family. And this is VERY stressful times. It is good to know that we have a great insurance company who is there to help us through this medical issue. EVERY time I call Trupanion they are VERY helpful and compassionate. NOT like the other company. My suggestion...give them a shot!!

I filed for pre-certification in order to be aware of the cost of the procedure, I might as well have sat on my ass and not done anything because the explanation of benefits is bull. They write part of the instructions in the email and part in the Explanation of Benefits, so when you try to contest because the refund you received was not correct, they have the right to say, "Well we did inform you of everything in the e-mail". I feel robbed. I have been a customer for over 3 years and I cannot believe that this is how customers are treated. I have recommended Embrace for years to family and friends and even to the Vet because I was so happy with their service. After my awful experience I will not be doing so again.