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I had researched pet insurance for quite awhile before I came across Trupanion. I got an Aussie puppy in September and wanted to make sure I had adequate coverage for this very active breed. Trupanion seemed like the right fit for several reasons. First, they cover the ACTUAL vet bill and not some predetermined amount designated by the area you live in. People that post bad reviews may not realize what they are signing up for. If you know what Trupanion covers you WILL NOT be disappointed. They don't cover the office visit fee which we knew when signing up. Coverage begins after 30 days upon signing up. You can deterimine your copay, the most is 90% coverage, which I elected for. Pet insurance is NOT for routine maintenance such as vaccinations, spaying/neutering or check-ups...it is for injuries and illness and I assure you if your pet has had either, Trupanion WILL cover it. In the past 7 months I have submitted 3 claims (2 for bladder infections and 1 for an emergency visit), all of which have been approved and checks sent within a week! This is amazing insurance. Overall for those 3 claims Trupanion has reimbursed me for over $700 in vet bills and the process of submitting claims was very simple. Customer service is very nice and friendly and they even left messages if more information was needed for a claim. If you know what you are signing up for you will not be disappointed...Trupanion is really amazing. I highly recommend them and will remain a loyal customer.

I have been very satisfied with my ASPCA Pet Insurance so far. I have had one major claim and it was paid promptly and within the terms of coverage, with no problems. Last year it was the same thing for just routine charges at the vet. You can't afford to be without it.

Embrace is a gem. They stand behind their promises made in their quote and policy wording. Their claims handling process is personal (I wish health care insurers treated policyholders the way Embrace does). I had VPI for two years and they didn't pay a penny in clams. Now THEY are like health care insurers; always finding some reason to deny. My vet was shocked and kept urging me to switch to Embrace based on experiences of her other clients. I'm glad I did. I studied hard about Embrace before switching and this website was quite helpful to me in making the switch. My advice to everyone - READ THE QUOTE VERY CAREFULLY and ask questions, lots of questions, and get the answers in writing. An insurance policy is a promise to pay for a covered loss and Embrace does just that!

Our first claim was handled quickly and professionally. I was pleased with the service and the follow up from Embrace. I am very pleased I chose Embrace.

Our Cavalier King Charles Spaniel recently had bladder surgery, which was quite an expensive venture. We were so thankful we had insurance coverage, since forgoing the procedure was not an option. Throughout the entire process, the staff at Embrace was so kind, understanding, and easy to work with. The pre-approval process only took 2 days, and all of my email correspondence was responded to promptly. I really dislike dealing with health insurance for myself, but dealing with Ruby's insurance company was actually a pleasure - simple and straightforward. I recommend pet insurance to all my friends thinking about adopting a dog or cat, and now I will make sure to mention that they go with Embrace. Thanks again for your service.

I have ASPCA pet insurance for my two dogs, Connie and Cheech. Cheech is 2 years old and Connie is 8 months old. I have had to make 2 claims for Cheech and thus far have been very satisfied.

As with any company you will have negative and positive experiences. My experience with ASPCA has been positive thus far. I have 2 senior cats and a new baby. I only wished I had bought the insurance before on my two other cats, whom are now deceased. My cat Mandy developed liver disease and had I had insurance it would have help me with the costs incured with her illness. Also my other cat Ember suffered from Lymphoma then kidney disease from the chemo treatments. If I had the insurance it would have helped, even though there is that little clause that states more treatemtn will not be covered with in a 12 month peroid after diagnosis. Even so any help would be great. I paid out of my pocket for her chemo treatments and kindey meds/treatments over 2.75 years at least $30,000. Had I had insurace that number would have been less. I only wish that they come up with a way that the Vets can submit your claim for you with the reimbursement being sent to the Vets and where we pay a co-payment every visit. I do think that when this happens more and more people will purchase pet insurance

Let's face it, the majority of the population doesn't have several extra thousand(s) of dollars to throw around on people emergencies let alone pet emergencies. I can't afford to lose $2,000 or more to get my dog out of the emergency hospital knowing I won't get it back, but I can however afford $36.22 per month per pet and since I have two dogs I even get a discount! With Pets Best you get 80% back less your deductible and although it's not quite as high as some of the other insurances at 90%, according to my vet and based on personal experience these guys don't jerk you around, if you have a claim you submit it, and then you get a check or now you even get direct deposit, and you'll even have it before it's time to pay off that credit card you just racked up!! I'd rather sacrifice that 10% knowing that for sure I'm going to get my money back and to get it quick without any issues!!! Oh, and the customer service staff are friendly too, imagine that!! My dogs are not just pets, they are loved ones and part of our family and I would treat them just as I would a person and thanks to Pets Best I know I can actually afford to give my dogs the best care possible without losing my house and cashing out my retirement and selling off everything I own!!

I recently submitted my dog's first wellness claim results via email to Embrace and a day later I heard back from a representative that the claims were accepted and to expect reimbursement within 10 business days. I was shocked at how quickly it was processed but more importantly how quickly it was acknowledged.

My dog ate my wife's underwear had to have emergency surgery to get it out of his stomach and intestine. I live in NYC so the vet is SUPER expensive. The bill was $4780!Trupanion paid 90% no hassle... and I had a check within 7 days! The fact that they do not have procedure coverage limits is key. Highly recommended!