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My husband signed up for this insurance because they made it sound so simple. Just send in your bills and they will be paid. It has been nothing but a hassle since we started needing it. I'm sure the vet even hates to see us come in. McKassie was taken to the vet due to lesions on her nose, a biopsy was done and she was diagnosed with lupus. First claim was sent in under wellness claim. Insurance deemed it was not a wellness claim as vet wrote in the observation box what his findings were. Embrace did deduct this amount from the deductible. Next claim was for the biopsey under anesthesia this claim was applied to deductible. When results returned vet ordered medication which was picked up by family member. Had to take McKassie back to vet due to bleeding gums and bruising on body, at this time I had him fill out form for meds that he had ordered along with this visit. He filled this form out as a wellness visit. This time embrace didn't even add this office visit to the deductible. On the "basic wellness rewards" info we printed off the site it says routine care wellness exams & office visits are covered. Apearantly going to the vet isn't an office visit? Between our health insurance and our dogs insurance it is a full time job of paper work.It is hard to give an overall rating as we haven't used any other pet insurance.

I neglected to check the date of last years yearly exam, heartworm test, vaccinations, they were not covered because I was a little to early and the claim was denied. I am still enrolled for 2013, so why does it really matter when my yearly exam is? I am only going to have one yearly exam, heartworm test and vaccines. My tip to other insured pet owners, remember our enrollment anniversary!

Scoundrels! I began a policy for my dog in 2006. He tore his ACL on March 17, 2013 and had surgery on Mar. 26, 2013. It just so happened that the plan year for his policy renews annually on Apr. 15, 2013. Because of this date being 19 days after his surgery, ASPCA denied coverage of medications prescribed at his follow up appointments, saying tht it was now a pre-existing condition and none of his further related expenses would not be covered for another 180 days following surgery date. Just when you need them, ASPCA Pet Health Insurance will duck and weave and deny coverage-- blaming you as the pet-owner for not being smart enough to read all their emails and purchase a special endorsement that would have filled in this big loophole the wrote for themselves in the original policy. Honesty and integrity means nothing to these people.

it was great I had a very nice rep call and ask about my pet , to see how he was doing and if I needed any more help ; I wish my reg ins would do that .Thank you

Just done wellness exam on Friday July 19th, and purchased Heartgard. I received an email my reimbursement check has already been sent on Thursday July 18th, and for the exact amount I was expecting! I wish I had known about Embrace before I lost my sweet Boxer girl to arrhythmia cardiomyopathy. I had a different company and they did not pay ANYTHING, called it 'breed specific', and the paid almost nothing on well care.

My dog Max had an operation on his cruciate ligament on Oct. 3 2012. The response from Trupanion was efficient, compassionate and timely in responding to my queries and reimbursements. I was most impressed.

My dog Max had an operation on his cruciate ligament on Oct. 3 2012. The response from Trupanion was efficient, compassionate and timely in responding to my queries and reimbursements. I was most impressed.

I took out health insurance almost immediately. My dog is my heart and i want to be sure i can protect her all her life.I m glad i did!

I can't say enough good things about Healthy Paws Pet Insurance. I have two Rottweilers that have been insured since they were puppies. I shopped around for insurance before settling on Healthy Paws. One of the many reasons I chose them is because you only pay your deductible once a year. Other companies wanted it paid for every incident. At Healthy Paws they genuinely care about your pets, and it shows in their customer care. They pay very fast too. I usually have my check within one week of submitting the claim. I definitely made the right choice when I chose Healthy Paws.

I go ta new dog and she needed everything. I received prompt reimbursement for her vaccinations and lab tests.The premiums on two dogs is sometimes hard for me to afford but I've had some steep vet bills before this insurance and this would have been nice to have