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On March 8th, 2010, my 3 month old puppy Jewel was rushed to emergency. An hour earlier, we had taken her to the front of our condo to get some fresh air. She was already in the habit of picking things up off the ground all the time, but most of the time she spit it out. Once the vet examined her, they determined she had swallowed a cigarette butt and now had nicotine poisoning. I was devastated and extremely worried if she was going to make it and how much this vet bill was going to be affecting my wallet!! The next day, I am happy to say, Jewel recovered and was looking much better. I paid for the bill ($853.10) and the vet office sent in my claim. The next day I received an email confirming that my claim was received. I was very impressed. It’s nice to know that when you send something in, that the company acknowledges they have it, so you’re not waiting and wondering. I was even more impressed that on March 10th (TWO DAYS AFTER THE INCIDENT!!!!), I received yet another email with an outline of the claim and what was covered. EVERYTHING (not including the exam) up to 90%!! I was amazed. It was only a few weeks before that I had set up the insurance and I already witnessed the exceptional customer service this company provides. No additional questions or hassle!! My puppy was back at home feeling better and my wallet wasn’t feeling as empty as I expected. Thanks Trupanion!! I’ve already recommended you to many of my friends and I am sure you will have many many many more customers coming your way!!!

On March 8th, 2010, my 3 month old puppy Jewel was rushed to emergency. An hour earlier, we had taken her to the front of our condo to get some fresh air. She was already in the habit of picking things up off the ground all the time, but most of the time she spit it out. Once the vet examined her, they determined she had swallowed a cigarette butt and now had nicotine poisoning. I was devastated and extremely worried if she was going to make it and how much this vet bill was going to be affecting my wallet!! The next day, I am happy to say, Jewel recovered and was looking much better. I paid for the bill ($853.10) and the vet office sent in my claim. The next day I received an email confirming that my claim was received. I was very impressed. It’s nice to know that when you send something in, that the company acknowledges they have it, so you’re not waiting and wondering. I was even more impressed that on March 10th (TWO DAYS AFTER THE INCIDENT!!!!), I received yet another email with an outline of the claim and what was covered. EVERYTHING (not including the exam) up to 90%!! I was amazed. It was only a few weeks before that I had set up the insurance and I already witnessed the exceptional customer service this company provides. No additional questions or hassle!! My puppy was back at home feeling better and my wallet wasn’t feeling as empty as I expected. Thanks Trupanion!! I’ve already recommended you to many of my friends and I am sure you will have many many many more customers coming your way!!!

Trupanion claims to cover 90% but the decline all hospitalization - all recheck fees (including recheck of cultures and bloodwork) and all in office tests

We decided on Pets Beast after a recommendation by our vet. Our policy was $55 a month for our 5 year old chocolate Labrador, Hershey. Hershey had previously tore his CCL and we had it fixed to the tune of $4k and we were worried he would tear this other one. Sure enough, 1 year later he did. We had the insurance for a year also and they did cover his inital diagnostic test, but did not cover the CCL surgery. Why? Because they had paid for the diagnostic, anything relating to that condition is now "pre-existing". Shop before you buy.

After comparison shopping online for weeks I ended up choosing ASPCA for my doggie & kitty, however after I signed on with them I heard about Kroger's plan that covered more & would have cost less. ASPCA PI did not cover any expenses for Sweetpea's seizures (which was the bulk of expenses). The plan has not saved me any money (I actually ended up paying more for the plan than I would have out of pocket). I will not renew with ASPCA & will check out the Kroger insurance plan next time.

I cannot tell you how pleased we have been as a family. Our little "girl" has had two major surgeries in less than three months and she is only a 14 months old. Trupanion has been there for us each time to help and have been incredibly fast in their responses to questions or concerns. The last thing I want to state is they have the best policy for your pet on the planet, you cannot go wrong with them.Your pet and your family will thank you!

I cannot tell you how pleased we have been as a family. Our little "girl" has had two major surgeries in less than three months and she is only a 14 months old. Trupanion has been there for us each time to help and have been incredibly fast in their responses to questions or concerns. The last thing I want to state is they have the best policy for your pet on the planet, you cannot go wrong with them.Your pet and your family will thank you!

After having the AKC Pet Healthcare plan on my four Bulldogs for two years I recently switched to Embrace. I was frustrated about the length of time it took AKC to process claims and the fact that they considered just about everything genetic and therefore denied the claim. In addition, for two years I tried to get them to consider giving a multi-pet discount and all I was told was that it was something they were considering. They still don't offer it... Knowing that Bulldogs are prone to a lot of genetic disorders, I decided to look into other Pet Insurance Plans. That's when I realized that the AKC Pet Healthcare Plan is one of the WORST rated pet insurance companies out there. I chose Embrace because they are one of the top rated companies and learned there's a reason for that. Their level of customer service is superior! During a recent wellness check (on a Saturday) my vet found a small mammary tumor on one of my girls. She had surgery that day and spent the night in the hospital. I submited my claims to Embrace on Monday and was shocked to find the money direct deposited into my account on Friday (less my $200 annual deductible and 10% co-pay. I was provided status every step of the way. I even recieved a person email from one of the co-founders a week later verifying that I received my payment and if for some reason I hadn't she wanted me to contact her personally. It just doesn't get any better than that. Embrace may cost a little more but you get something in return - COVERAGE and personal service. Bottom line is DO YOUR HOMEWORK before you buy pet insurance. There's a lot of information out there. I wish I had done my research instead of just signing up with AKC Pet Healthcare because it was recommended by AKC when I received my registration papers. Having the AKC seal of approval in this case is very disappointing.

My 7 year old Labrador was diagnosed with cancer 4 weeks ago. One week after the diagnosis, my dog was scheduled for surgery. On the morning of his scheduled surgery, the poor dog was in such bad shape, the vet was reluctant to perform the operation. She doubted the dog would survive the surgery. She said that treatment would cost over $4000, and was concerned about running up a huge bill in the face of very poor odds for survival. Since I had insurance, we decided to give surgery a try, and hope for the best. Four weeks after surgery, my dog is making a remarkable recovery. The vet is even surprised at how well he is doing. All the follow-up test are quite promissing. I believe Petsecure insurance saved my dog. Without insurance, I doubt we would have proceeded with the costly treatment. I received my insurance check today, less that 2 weeks after making a huge claim. I was paid every penny that I was due, under my plan's conditions. I am quite impressed, and relieved that I had Petsecure insurance.

After having the AKC Pet Healthcare Plan for over two years I recently switched my four Bulldogs to Embrace. The difference in the level of customer service is profound. One month after enrolling with Embrace I took my girls in for their Wellness check and Orthopedic Waiver exam (which was optional but recommended to waive the six month waiting period) and my vet found a mammary tumor on one of them. She had surgery that very day (a Saturday) and spent the night in the hospital. I submitted all my claims on Monday and the money was direct deposited into my account that Friday, less my $200 annual deductible and 10% co-pay for the surgery. I am still in shock! The Embrace reps provided me with status EVERY step of the way. I was used to submitting claims to my old plan and then calling a couple of weeks later only to be told that they hadn't received them, or if they had then they had not been processed yet. Then, once they were processed 90% of the time they were denied because they considered it a genetic condition. I started doing research on other options for Pet Insurance and learned that AKC Pet Healthcare Plan was one of the WORST rated companies out there. I chose Embrace because:1) They cover genetic disorders (unless pre-existing). 2) Their customer service ratings are superior. 3) The level of person service I received when I inquired about their plans. 4) The ability to customize your coverage and get an optional Wellness Plan which includes flea/tick and heartworm prevention products (which are covered even if you buy on the internet, teeth cleaning, vaccinations, etc. 5) They offer discounts for multiple pets, spayed/neutered pets, micro-chipped pets, plus they honor coupons you find on the internet for an additional 5% off. As a breeder/exhibitor of Bulldogs (who as most people know are prone to genetic disorders) I have begun recommending Embrace to everyone who has every purchased a pup of mine and to my dog show friends. I have been blessed with very healthy Bulldogs so my girls don't have anything they consider pre-existing but it brings me so much comfort knowing that they will be covered if something should come up. I highly recommend Embrace. I'm just sorry I spent so much money on coverage with the AKC Pet Healthcare Plan (who doesn't over any discounts - not even multi-pet) before I realized I was wasting my money. It pays to research pet insurance companies before you buy. I just automatically signed up with AKC Pet Healthcare because the offer came with the pup registration and I figured if it had the AKC seal of approval it must be good. WRONG!!!!!!!!!!!!!