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Reg. Vet Tech here.. Shame on you Trupanion!
One of Trupanion's number one marketing claims is that you only pay a deductible ONCE PER CONDITION. Well today I found out that that is not actually the case. My cat had a dental with extractions in 2014 and the CONDITION that he has that causes his teeth to need to be extracted is Feline Odontoclastic Resorptive Lesions. This is a genetic, immune mediated condition that cats get and have their whole lives. Yesterday, I sent in a claim for another a dental with extractions, the reason he needed extractions this time? You guessed it! Feline Odontoclastic Resorptive Lesions.. so I was absolutely shocked when it came back as being applied to my deducible. Applied to my deductible?!? I already paid that back in 2014. When I called their customer support number, the girl on the phone told me that it "was like having an ear infection 3 years apart from each other, they aren't actually the same condition". Well as Registered Veterinary Technician I say that is 100% BS! Anyways, I am waiting for someone to call me back but I suspect I won't get anywhere with it. I though Trupanion was different but apparently they are just like all the other insurance companies out there. Do yourself a favour and do what I should have done.. work out what your monthly premium would be and put it into a high interest savings account.
Insurer: Trupanion Canada
By: Caitlin
Reg. Vet Tech here.. Shame on you Trupanion!
One of Trupanion's number one marketing claims is that you only pay a deductible ONCE PER CONDITION. Well today I found out that that is not actually the case. My cat had a dental with extractions in 2014 and the CONDITION that he has that causes his teeth to need to be extracted is Feline Odontoclastic Resorptive Lesions. This is a genetic, immune mediated condition that cats get and have their whole lives. Yesterday, I sent in a claim for another a dental with extractions, the reason he needed extractions this time? You guessed it! Feline Odontoclastic Resorptive Lesions.. so I was absolutely shocked when it came back as being applied to my deducible. Applied to my deductible?!? I already paid that back in 2014. When I called their customer support number, the girl on the phone told me that it "was like having an ear infection 3 years apart from each other, they aren't actually the same condition". Well as Registered Veterinary Technician I say that is 100% BS! Anyways, I am waiting for someone to call me back but I suspect I won't get anywhere with it. I though Trupanion was different but apparently they are just like all the other insurance companies out there. Do yourself a favour and do what I should have done.. work out what your monthly premium would be and put it into a high interest savings account.
Insurer: Trupanion
By: Caitlin
I couldn't be happier
My beloved 11 year old Standard Poodle, Merlin suddenly developed a melanoma on his gum which required extensive immediate surgery and follow up vaccines. I am retired and live on a comfortable but fixed income. If it weren't for Embrace I would be in a financial pickle right now. Instead, I do have Embrace Pet Insurance and I am happy to say they paid 80% of the over $7,000 vet bill. They were helpful when I called to inquire about coverage and the claims were processed and my checks received in a very reasonable amount of time. Thank you Embrace. Merlin has recovered from the surgery and is thriving, happy and once again healthy.
Insurer: Embrace
By: Joann
Disappointing
I bought accident insurance for my 4 month old kitten. The poor kitten fell from the ground floor to the basement. He could not stand on his left hind leg, blood was coming out of his nose and he was in pain. We rushed him to the vet ER. Because the vet report says his presentation was "limping", Pets Plus Us denied the claim saying that it is not obvious it was an accident. Really!? Save yourself some grief and your business elsewhere. They do not deal in good faith. Do not insure with Pets plus Us.
Insurer: Pets Plus Us
By: Helena
LOVE Pets Best Insurance!!!
I am so grateful to insure my pet with Pets Best Insurance. The filing of claims is simple; their acknowledgement is immediate; their response to a final disbursement is explained in detail; the staff with whom I had contacted is courteous and helpful, and finally, their reimbursement is assured.
Insurer: Pets Best
By: Suzanne
Fantastic Service!
Embrace is the best pet insurance I have had. We adopted two English Bulldogs, a male and a female. The male is fine. But the female has had a series of difficulties with her eyes and skin allergies. Embrace has been responsive and fast in approving her vet bills. The last pet insurance company I worked with was terrible. They took forever to pay a claim; they questioned legitimate vet bills; they did not pay for many normally covered conditions. Embrace does what it say it will! What you see is what you get!
Insurer: Embrace
By: Bill
Exceptional Service
My Lhasa Apso, Bailey, is a rescue. when I adopted him five years ago it was questionable if he would be able to be adopted. He had been doused in kerosene and set on fire and had many issues. On the day I adopted him I signed him up for ASPCA Pet Insurance and have never regretted the decision. I am pleased with the contract I chose and appreciate the claim processing procedure.
Insurer: ASPCA
By: Linda
Excellent customer service and transparent policy
I highly recommend Embrace. The claim process is easy, and they are always very efficient in responding back. The policy rules are very clear, as well.
Insurer: Embrace
By: Leah
Best Pet Insurance Ever!
Our cat, Pumpkin, incurred a bite wound from an unknown animal and suffered an abscess as a result. He had to have drainage tubes, antibiotics, etc., and our bill from the vet was close to $1000. We submitted our claim to Pet's Best, and within just a few days, we were reimbursed the amount on our policy! They made it easy to submit the paperwork (everything was done online), and even directly deposited the amount into our bank account. Our family's financial burden was greatly reduced thanks to this wonderful company! Thank you, Pet's Best!
Insurer: Pets Best
By: Sandy
Love this company!
I have had two pups insured with Embrace since I adopted them 5 and 7 years ago. We've had everything from Giardia to torn ACL surgery to root canals! The last two just in the past year...well over $6,000 in vet bills and while not all of the expenses have been covered, the bulk of the cost has been and it's really nice to get that $$ back. Everyone I've dealt with at Embrace has been courteous, professional, has responded promptly and claims are paid quickly. I couldn't ask for more.
Insurer: Embrace
By: Carrin