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So Sure Surgery Wouldn't be Covered, But It Was!
4 months ago one of my friends talked me into getting Embrace Pet Insurance. She shows dogs and has a household of various breed dogs all of which are her babies and all are covered by Embrace. She said others that show also use Embrace so I thought I'll look into the company. I have 2 dogs - 6 and 14. I decided to get insurance for just the 6 year old and so thankful I did. He had 1 pre-existing condition that I was aware of, luxating patellas (both knees,) so when he started limping I thought figures this is the knee problem and it's not covered. After a month of anti inflamatory meds that didn't help, my regular vet suggested I get an ortho evaluation and found he had torn his ACL. So he had the ACL surgery and also made an adjustment in his knee to strengthen the joint. Again, I figured this wouldn't be covered because anything with the knee would off limits. However, I was wrong! The ACL tear was covered and only the specific portion relating to the knee joint was not covered, a very small portion of the entire bill. I also requested that the bill for the first vet visit, which was denied because my vet wasn't sure it wasn't caused by the luxating patella, be reevaluated. This time it was approved. I can't say enough good things about the professionalism of Embrace and the quality of the service it provides.
Insurer: Embrace
By: Rici
This company is shady! Don't get RIPPED OFF!!!
RIPOFF! I've been paying this policy religiously for two pets for several years. They've made thousands off of me. When one of my pets needed surgery, I had to fork out thousands. The process took a ridiculously long time and I was only reimbursed less than 15% of what I had to spend. So if I had to spend $10,000, I was reimbursed less than $1500. This charge couldn't be included. That charge can't be included! I worked hard for the money I paid to them to make sure my pets were covered. And when a crisis hit, I feel like I was really taken advantage of. Not happy! Stay away unless you want to be taken for a fool!
Insurer: Healthy Paws
By: George Chiang
Very happy to have Trupanion Insurance!
We have a Daschund who is 4-1/2 years old and has had to have back surgery twice in the last 6 months. We're so glad to have Trupanion insurance. We've had no problems and they've been very quick to process our claims so we could ensure Maggie has the best care. I would recommend Trupanion insurance to anyone who has a beloved pet in their family.
Insurer: Trupanion Canada
By: Elizabeth
Pet insurance really works!
When we got our dog 5 years ago, we hesitated about pet insurance because I heard so many bad things about them not covering certain things or never knowing what the reimbursement would be. We had to file a claim for the first time last month when we ended up in the ER. We found out Bentley had pneumonia and then from the X-rays we found out he had an obstruction in his stomach. He had surgery the next day. I called Embrace and started the process. In less than 2 weeks, I had my reimbursement in my account. I was amazed how quickly it happened. They were so easy to work with and it was nice to know exactly how much would be refunded to us. We hope to not have to file another claim anytime soon, but we're so grateful for Embrace.
Insurer: Embrace
By: Sabrina
If you have a pet make sure you have Trupanion!
Excellent, fast, can't be without if you own a pet
Insurer: Trupanion
By: steve
Saved My Dog
Couldn't afford my dog's hip replacements without you guys, he will live a full life thanks to you.
Insurer: Trupanion
By: Michael
Scam artists! Stay away!
RIPOFF! I've been paying this policy religiously for two pets for several years. They've made thousands off of me. When one of my pets needed surgery, I had to fork out thousands. The process took a ridiculously long time and I was only reimbursed less than 15% of what I had to spend. So if I had to spend $10,000, I was reimbursed less than $1500. This charge couldn't be included. That charge can't be included! I worked hard for the money I paid to them to make sure my pets were covered. And when a crisis hit, I feel like I was really taken advantage of. Not happy! Stay away unless you want to be taken for a fool!
Insurer: Healthy Paws
By: George
Excellent service
Excellent company with empathetic employees who really care and quick turnaround time!!! You would be a fool not to use Truepanion!!!!
Insurer: Trupanion
By: Robert
Thank God for Trupanion!
I literally cannot say enough amazing things about Trupanion. And since sharing of our experience on social media, there have been over a dozen people that have now gotten Trupanion insurance for their pets based on what we have been through and the incredible support we get from this organization. Last September we adopted a 2 month old kitten from our local shelter, they gave us the free Trupanion trial for 6 weeks. Once that ended, I signed our cat up as the premiums were excellent and she was so young. We had never had pet insurance for any of our other pets, in spite of some of our other pets have had expensive medical issues, and we always wondered if we should have had insurance for them. At the time when our cat's trial ended on a total whim we decided to put our 6 year old COMPLETELY HEALTHY dog on Trupanion for a year. Three months later we found a lump on her leg, and got the devastating diagnosis of a cancer of her connective tissue. Two surgeries later, including an amputation, the one of the MAJOR things we were beyond grateful for was to go into our appointments with her, and her surgeries and to have the peace of mind to say, "Do whatever it takes to save her... we have insurance." She got through this like a trooper. Then fast forward to the present which is five months later, she suddenly and abruptly developed an auto immune disease that was killing off her blood platelets, and a severe case of pancreatitis. Both of these things happened at the same time. She was literally a day or two from death, the vets told us. Our vet bills to date are well over $12,000 and if it had not been for our coverage from Trupanion, we would not have been able to allow her to live. We simply would not have been able to afford it. This is the excruciating decision that millions of people have to make every year. Don't be one of those people! Her medication for both of her illnesses will be covered for life, if she needs them. Any re-occurence of either of them will be covered. One of the best things about Trupanion is that you can do direct billing. You don't have to try to find the thousands of dollars to pay the bill, and then go through the hassle of submitting receipts. It is all done at the desk before you leave. And if Trupanion has any questions, they just chat with the vet and you are only left with paying out the balance owing and your decuctible. Our girl is not out of the woods yet, she has only been home for one day after eight days in the hospital, but we can have TOTAL peace of mind that whatever we need for her we can do for her all because of having pet insurance.
Insurer: Trupanion Canada
By: Lisa
Great Service & Rapid Response Time
We had our 3 month old puppy got into something on a vacation in Grand Lake, CO. The vet estimated a $2,000 bill for a weekend stay and procedures. Embrace was very helpful in our questions as being new dog owners and helped us every step along the way to receive our insurance check. 10/10
Insurer: Embrace
By: Liz