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I had no idea this product did not offer continuing coverage for chronic conditions treated in the prior policy year. It was not discussed at the time of purchase and I only found out after I had cancelled my cats from Pets Best and signed up for ASPCA. This is just beyond the pale of business ethics. My cats had coverage (but no chronic conditions) under Pets Best but I was dissatisfied with Pets Best per incident deductible policy so switched to ASPCA. Now my cats with chronic conditions treated in 2012 will have preexisting conditions for other pet insurance policies. DO NOT PURCHASE ASPCA if YOUR PET IS NOT QUALIFIED FOR CONTINUING CARE POLICY. And ask if that policy expires at a certain age. The rep I just spoke to was so rude in telling me this was in my policy issued in 2011 (after I cancelled my Pets Best insurance) - like that helped after I had no option at that point. VERY DECEIVING business PRACTICE.

In August 2011 my dog Torsten blew out his hind knee. I got a quote from vet, sent it to Embrace - they immediately authorized the surgery and immediately reimbursed me for the claim - almost $3,000.In August 2012 Torsten blew out this other hind knee. Again I got a quote, got authorization, and Embrace has taken a bit longer to pay (they implemented a new system) and will be paying me over $2,000. Now, they are reviewing a claim for Stem Cell procedure. I can't even believe they offer this ! I would have to put my dog down if they had not paid for these procedures. A Human always answers the phone, they know my pet's name, and they are AMAZING. I have gotten some of their brochures to place in many offices and pet stores - that is how much I think of them. The other insurance companies are Not Even Close. Use Embrace, tell your friends. I actually had this health insurance on my dog and did not have personal health insurance. Good Thing! Best wishes for all those out there. Pls Spay and Neuter and Adopt :-)

Have Pets Best for two of my cats. One cat has been losing weight for almost two years, and just stopped eating and drinking. Took him to the hospital and admitted him for a night because he was in bad condition. Had to put him on IV and special care. He's been diagnosed with hyperthyroidism, and currently on pills. All that stress has been taken out by Pets Best. The insurance claim was easy to submit, got processed within 2 days. Got the money about 3-4 days after i submitted the cliam via direct deposit. 2nd claim was easy as well, for his recheck and blood lab work. I have been recommended this insurance company to my friends/co-workers with my experience.

I was very happy with how my claim was handled. With a new puppy it's great to know I have help with his Vet bills. Your Wellness plan is just what I was looking for.

Very good customer service. They take the time to listen. I fax my claims and receive a response the next day through email saying that they received the claim and will send a reply within twenty four hours. I have direct deposit, and I feel this is the best way to go. My cat, Oreo, is 10 years old and recently diagnosed as a diabetic. You're the "Best".

First of all I would like to thank Trupanion for allowing me to be able to take top quality care of my beloved Bob! Trupanion follows through with their promises and delivers fast results with perfect customer service.My vet works directly with Trupanion so it takes all the already stressful time off my shoulders and I don't have to worry about money because I know Trupanion is there. They keep the monthly premiums so affordable for anyone's budget so a person can be able to take care of their wonderful pets,thank-you for that! And thank-you as well to my amazing vet at Foothills Veterinary Clinic in Buckley, WA. Dr.Vetter,Kathy and all the caring staff for your willingness to work with Trupanion directly for me and Bob.I will never be without Trupanion!

First of all I would like to thank Trupanion for allowing me to be able to take top quality care of my beloved Bob! Trupanion follows through with their promises and delivers fast results with perfect customer service.My vet works directly with Trupanion so it takes all the already stressful time off my shoulders and I don't have to worry about money because I know Trupanion is there. They keep the monthly premiums so affordable for anyone's budget so a person can be able to take care of their wonderful pets,thank-you for that! And thank-you as well to my amazing vet at Foothills Veterinary Clinic in Buckley, WA. Dr.Vetter,Kathy and all the caring staff for your willingness to work with Trupanion directly for me and Bob.I will never be without Trupanion!

I have been researching and reading 100's of reviews from this site. There were many complaints about insufficient payments on claims for ASPCA, so I called with specific questions regarding payments based on avg. cost of treatments in my area. 1st call was of no help ASPCA customer service rep wouldn't clarify and did nothing but hedge. I spoke with a supervisor who wasn't able to be specific. To paraphrase: "I can only tell you what is on the list provided." She repeated policy coverage. When I requested specific answers to specific questions there were none. Theoretically, if my cat' s treatment were to cost $1200.00 and their avg. for this area happened to be $700, theoretically, I would be left with a bill of 500.00! Since ASPCA refused to give me answers and there are so many complaints, I will NOT be giving my money to them. Beware! Research THOROUGHLY!

We got Sarge our puppy Shepherd insurance the first visit to our Vets. Thank God we did, he got so sick all of a sudden and was hospitalized for two days and that cost was close to $1000. Trupanion was amazing they reimb. us exactly what they said they would and it only took one week. Much faster than my insurance plan with my work in reimbursing for medical expenses.

We got Sarge our puppy Shepherd insurance the first visit to our Vets. Thank God we did, he got so sick all of a sudden and was hospitalized for two days and that cost was close to $1000. Trupanion was amazing they reimb. us exactly what they said they would and it only took one week. Much faster than my insurance plan with my work in reimbursing for medical expenses.