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Continual "pre-existing condition" denials
I cannot imagine how these positive reviews can be true and from real people. For example, there's this one: "Our dog has ear infections it seems almost constantly. Not only does trupanion help with all of those, we recently had to get surgery done on Jada's ear for an aural hematoma. The surgery cost us over $1300 and Trupanion paid us back almost $1200 for the surgery." The fact that there is a pre-existing ear condition, yet Trupanian supposedly is paying this claim is flatly unbelievable to me. The aural hematoma is caused by violent head-shaking, which is itself caused by the "almost constant" ear infections. So, if Trupanian was consistent in its claims assessment, this would be obviously a pre-existing condition. In our experience with our cat, Trupanian has managed to find extremely vague past symptoms, such as "coughing," and now denies ALL claims for recently diagnosed asthma, etc. We are out thousands in vet bills that we thought would obviously be paid, and we have paid Trupanian thousands in premiums. But every claim comes back denied, based upon the vaguest of "pre-existing condition" assertions. Perhaps back in 2011 Trupanian was better about paying than they are now. But at this point, we have filed repeated claims that are denied on the basis of "connecting" the vaguest and most general of symptoms, such that now they won't cover anything "related to" heart, lungs, or gastrointestinal tract for our kitty. So, we've paid them thousands, and basically our entire cat is a "pre-existing condition." We'll be canceling, and I cannot recommend Trupanian in the slightest! I would say, if you have a very young pet with no medical history, then, sure, get it insured. But if your pet has any medical history, at this point (in 2016), Trupanian will invent ingenious ways to "tie" one vague symptom to another and deny your claim. Class-action, anyone?
Insurer: Trupanion Canada
By: Richard
Don't use this coverage- Very shady delealings
You must give Trupanion a list of the vets your pet may have visited. Then as you turn in claims every claim becomes a "pre-existing condition" They do not tell you up front what conditions will be excluded, they just start collecting premiums. So as you submit claims, one by one you are told "pre-existing condition- so no coverage" My dog had surgery for something in his paw that caused a large swelling. Surgery was performed and the Surgeon left a message on my cell stating the findings were consitent to support a foreign body in the paw. You guessed it. Trupanion denied the claim as a pre-existing condition. Even when the recording was passed onto the Trupanion Rep and the claims people, they all went dark and no one would respond.
Insurer: Trupanion Canada
By: Theresa
Great Support
ASPCA has done a wonderful job regarding my claims associated with my Bernese Mountain Dog -- two expensive claims for two different ALC injuries. Thank you ASPCA for your professional attention and quick claim resolutions -- much appreciated.
Insurer: ASPCA
By: Dr.
Simple process, great customer service
I'm trying not to be redundant but how do I not repeat all your other reviewers? Your claims process is simple, your customer service helpful and efficient, payments come quickly! Perhaps what is really so great about Embrace is that you sell a good product and follow through with exactly what you have promised! Rare these days! Thank you!
Insurer: Embrace
By: Holly
Never a hassle
We've had quite a few claims on our dog, as he's a hunting dog and tends to be quite active in the woods. Every claim I submit is processed without question, and without hassle. The customer service agents even call regularly to check and see how our dog is doing! This is an outstanding company.
Insurer: ASPCA
By: PJ
Thank God for Healthy Pets!
Vinnie cracked a molar, which left exposed pulp. Our vet referred us to a veterinary dentist, who recommended a root canal and filling on that tooth. The estimate was nearly $2,000. Ouch! Thank God we have had Vinnie enrolled in Healthy Pets for nearly three years. Their claim filing process couldn't be easier...and within several days we had our check in hand! We will never be without Healthy Pets. It is such a reassuring feeling to know we can afford to take care of Vinnie no matter what happens!
Insurer: Healthy Paws
By: Kathryn
Very Pleased With ASPCA!!!
We previously had a different pet insurance carrier, and, switched to ASPCA. We have a Golden Retriever, Jake, who will be 7 in September. We've had to submit claims for Jake, and, each issue has been handled quickly and professionally by ASPCA. We're very pleased with their business acumen, and, have already recommended them to others.
Insurer: ASPCA
By: Cheryl
Great response to multiple claims
We recently had a backlog of claims for two dogs submitted by our vet hospital. Despite the volume of info to process, the Embrace staff did their usual great job of both giving us a status and settling the claims. After the claims have been settled, we get an email from Laura Bennett to follow up. I find this to be a good double check. We have had Embrace insurance for several years covering four Great Danes, and some of their health issues have been costly. One of the dogs has had two MRIs. Embrace has always covered the appropriate amount with no issues or hesitation.
Insurer: Embrace
By: Jim
My Dog Buckley
ASPCA is wonderful. The first thing they want to know when they call is how you pet is doing. Eating ok? feeling back to normal? These are caring people. Each member of their staff how much your pet means to you. In addition, they pay their claims timely.
Insurer: ASPCA
By: Jan
Expensive, lack of info on claims
I have received conflicting information on filing a claim. Everytime I call there is a different story. Rates have skyrocketed in 4 years. This is my first experience with pet insurance but after this dog dies I don't know if it was worth it - at least time it doesn't appear to be the case. I have a couple thousand dollars that will not be covered. When I have paid around $32/mo for over 4 years (rounded), that is $1,600, meaning my cost for this policy is almost $4,000.
Insurer: Healthy Paws
By: Debbie