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Pet parents across the U.S. and Canada have left over 219,106 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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Disapointed by the response times for Trupanion
It has been our experience that Trupanion will stall as much as possible and do as much as possible not to pay out a claim. We first contacted Trupanion to request that a CT Scan for our dog be pre-approved - BIG MISTAKE!!! Because (pre-scan) dysplasia could not be ruled out, we had to pay upfront for the CT Scan. It took two months to get this confirmation from Trupanion that the Scan could not be pre-approved upfront. In the interim - we had to watch our dog struggle and were eating the cost of regular anti-inflammatory pills. In early February 2016, a CT Scan and orthopaedic vet confirmed that our dog had an acute injury (no evidence of dysplasia whatsoever) treatable by orthopaedic brace (which has corrected his limp completely and he will only need to be wear it for another 2 months). We forwarded the full package with report and invoice the very next day to Trupanion and it is now April and every time we call Trupanion for a status update they give us another excuse as to why they cannot make payment - i.e. we need to translate the documents, we need another report from your vet to populate his file for a completely unrelated injury from three years ago (which has nothing to do with the present claim)etc.....it is amazing to me just how far they will go to try to avoid payment - i.e. connecting lethargy from a throat infection from August 2016 to our dog's acute injury from late October 2016. To be honest - we would of been better served creating a savings account for this purpose. We are really disappointed in the way our file has been bumped around and neglected. I don't know whether this has been the experience for others - but in my experience the 100$ we pay a month is not worth this aggravation.
Insurer: Trupanion Canada
By: Barbara
Disapointed by the response times for Trupanion
It has been our experience that Trupanion will stall as much as possible and do as much as possible not to pay out a claim. We first contacted Trupanion to request that a CT Scan for our dog be pre-approved - BIG MISTAKE!!! Because (pre-scan) dysplasia could not be ruled out, we had to pay upfront for the CT Scan. It took two months to get this confirmation from Trupanion that the Scan could not be pre-approved upfront. In the interim - we had to watch our dog struggle and were eating the cost of regular anti-inflammatory pills. In early February 2016, a CT Scan and orthopaedic vet confirmed that our dog had an acute injury (no evidence of dysplasia whatsoever) treatable by orthopaedic brace (which has corrected his limp completely and he will only need to be wear it for another 2 months). We forwarded the full package with report and invoice the very next day to Trupanion and it is now April and every time we call Trupanion for a status update they give us another excuse as to why they cannot make payment - i.e. we need to translate the documents, we need another report from your vet to populate his file for a completely unrelated injury from three years ago (which has nothing to do with the present claim)etc.....it is amazing to me just how far they will go to try to avoid payment - i.e. connecting lethargy from a throat infection from August 2016 to our dog's acute injury from late October 2016. To be honest - we would of been better served creating a savings account for this purpose. We are really disappointed in the way our file has been bumped around and neglected. I don't know whether this has been the experience for others - but in my experience the 100$ we pay a month is not worth this aggravation.
Insurer: Trupanion
By: Barbara
Very satisfied!
I'm very pleased with my experience with Embrace. After an entirely negative one with Trupanion whose sole mission seems to be not to pay for anything, Embrace seems to do just what it says it will do. I submitted claims for my cat who wasn't eating & required a number of vet visits which quickly became expensive and I was pleasantly surprised that Embrace reimbursed me for an appropriate amount of the expense. I've already recommended Embrace to friends and family. Nice to have a positive experience!
Insurer: Embrace
By: Linda
Great service
I don't know how I would be able to afford my bulldogs care if it wasn't for Trupanion. They provide refunds in a quick manner and I've never had to dispute a claim. Costume service is also great, always just a phone call away to answer any question you might have. I highly recommend!
Insurer: Trupanion
By: Polly
Embrace is the BEST!!!!
I have been with Embrace for 6 years. They are truly the BEST! They pay their claims in a timely matter. Just took Roxy (My Dog) in for her Annual Checkup and had an ear issue at the same time. Within 10 Days I had my claim taken care of and paid. Love this company!
Insurer: Embrace
By: Brian
Fantastic experience!
Great customer service and fair reimbursement. Have recommended this company to several of my friends and family members.
Insurer: Trupanion
By: Laine
Year 3 and loving it
I'm on our third year with Embrace and I can't imagine why it took me so long to get it for my pets. Best decision I ever made!!
Insurer: Embrace
By: Maureen
Embrace has stepped up big time!
Our three year old Labrador retriever contracted Blastomycosis which is a serious fungal infection of the lungs. His treatment plan is very expensive and could last for 6 months. Embrace has been with us every step of the way ... diagnosis, X-rays, antigen tests and very expensive medications. The Embrace Reps are very knowledgable and compassionate. Honestly do not know how we could get through this with the team at Embrace.
Insurer: Embrace
By: Jim
7 dogs, 7 policies!
I have researched and researched pet health insurance. I have started to run my labrador's in Hunt Tests. I have 7 of them. They run hard, and I never know what is out in the field. Everyone looks to make sure the area's are safe, but no place is absolutely dog safe. I called Healthy Paws Pet Insurance. I talked to Ryan. He was so helpful. I have a unique situation because I have 4 dogs that stay close by me but at a trainers, and 3 dogs that live full time with me. Ryan explained everything to me. We must have been on the phone for at least 45minutes to an hour. Ryan went over all the different deductibles, all the different coverages, explained to me how different ages of the dogs affected the insurance. He was really wonderful. What I really liked was that Ryan actually tried to sell me a less expensive policy! What a shock that was! I was also impressed by the fact that there is no maximum to coverage do to an accident. Other insurances, that I have researched put a cap on the amount that they would cover for certain accidents. I have not made a claim yet, and hopefully I won't have to, but if Ryan is any indication of customer service, I expect the transactions will go smoothly.
Insurer: Healthy Paws
By: Donna Campbell
Figo Claim Process
My claim was submitted, a day or so later, I received an email saying my claim was being processed and then 2 days later, I received another email stating the claim was taken care of! And THEN I received a get well card in the mail to check on my pup! Very Classy! So refreshing from previous pet insurance companies! Even better then human health insurance companies lol! Thanks Figo! Really took the worry out of a very upsetting and stressful situation!
Insurer: Figo
By: Jennifer Czech