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I filed my claim by fax on Feb 15 2011 and I received the cheque in my hand on Mar 2011 - all my staff and friends were amazed and as a result - 4 of my staff members have now taken out insurance for their pets. I am totally impressed with this company.

I filed my claim by fax on Feb 15 2011 and I received the cheque in my hand on Mar 2011 - all my staff and friends were amazed and as a result - 4 of my staff members have now taken out insurance for their pets. I am totally impressed with this company.

This was my first time submitting a claim to Embrace and we started out with a little bump. There was a misunderstanding that required me asking to communicate with management. I'm happy to say that the manager I dealt with was very reasonable and was willing to see my perspective. She worked with me to process my claim. End of story - I'm a happy customer!

At Christmas time our puppy sampled a bit of margarita and became quite ill. We took him to emmergency, where he spent the night, in a guarded condition. The bill was substantial and the insurance company paid 80% without any questions. We are so happy to have bought this policy.

Just got my puppy covered in January and submitted two claims this month. Process was simple and easy and customer service was great. When they couldn't read a fax I sent, they just contacted my vets directly. It was super easy for me and I am so glad I chose them after TONS of research! They also let me know step-by-step how much I have left of my deductible. So easy and efficient.

Adopted my rescue Mischa (G.Shephard/Akita mix) @ 5 months old in January 2008 & didn't get insurance til she was over a year old. Recommend to anyone adopting or purchasing a dog to get it RIGHT AWAY. Completely worth it. About 6 months after getting the insurance, Mischa started to limp on her back right leg. After leaving it for a couple months - we did tests; x-rays & anti-inflammatories...to find out it was a partially torn CCL (ACL). Decided to use the meds to reduce inflamation & monitor. 1 year later; the limping is worse & through more tests we've found out that now both CCL's are partially torn. She will likely need a TPLO surgery to repair this in the near future. Surgery aside; we've had about $3500 in claims for the tests & meds over the past year. Not only has Trupanion done their part & covered everything they're supposed to; they're timely & keep in frequent contact via email to let you know that your claim has been received; reviewed & processed. It's great to have that information & have the claims processed so quickly. The only thing I wish I would have known (more clearly) is the coverage for hip displaysia. I wasn't aware that this was a separate coverage at the time of sign-up. Having a G.Shepherd; I definitely would have liked this option but looks like the knees are going to be the problem for this girl anyways!!

Adopted my rescue Mischa (G.Shephard/Akita mix) @ 5 months old in January 2008 & didn't get insurance til she was over a year old. Recommend to anyone adopting or purchasing a dog to get it RIGHT AWAY. Completely worth it. About 6 months after getting the insurance, Mischa started to limp on her back right leg. After leaving it for a couple months - we did tests; x-rays & anti-inflammatories...to find out it was a partially torn CCL (ACL). Decided to use the meds to reduce inflamation & monitor. 1 year later; the limping is worse & through more tests we've found out that now both CCL's are partially torn. She will likely need a TPLO surgery to repair this in the near future. Surgery aside; we've had about $3500 in claims for the tests & meds over the past year. Not only has Trupanion done their part & covered everything they're supposed to; they're timely & keep in frequent contact via email to let you know that your claim has been received; reviewed & processed. It's great to have that information & have the claims processed so quickly. The only thing I wish I would have known (more clearly) is the coverage for hip displaysia. I wasn't aware that this was a separate coverage at the time of sign-up. Having a G.Shepherd; I definitely would have liked this option but looks like the knees are going to be the problem for this girl anyways!!

I chose Pets Best based on all the great reviews here. I checked out their website, and I liked that they seemed to cover more things than their competitors -- especially when it came to wellness and dental -- and do the 80/20 reimbursement vs the predetermined coverage amount approach. Their prices were also pretty reasonable (about $35/month for accident, wellness and dental for a 2 y/o cat). I stayed with Pets Best for about year and recently left to switch to Embrace. I should have read the fine print better when I signed up for Pets Best, but I left when I learned their deductible is per incident (like car insurance) -- not annually (like health insurance for people). I just felt like I was not truly getting a value for my money. I filed one claim all year -- about $650 to biopsy, diagnose and treat feline granuloma (a randomly-occurring autoimmune skin flare-up - kind of like canker sores in people). After the deductible ($250), co-pay ($75) and the amount not covered ($25 for medical waste fee and optional fluoride treatment for teeth), I got back around $300, which is a little less than what I paid in annual premiums. I wasn't even breaking even. I was disappointed, though I assumed that I met my deductible for the year and that I'd just have to take this initial hit before the true benefit of having insurance would kick in for the next incident... but I decided to double-check to make sure my assumption was correct. Glad I did, as the agent explained to me t

My claim was processed quickly and I was kept updated about the progress of the claim. The explanations of payment were easy to understand.

Insurance reimbursement helped to defray the cost of my cat's care. The vet bill was quite high and without the coverage it would have been a greater burden to bear.