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Waste of money
We took out Trupanion policies for both our puppies when they were about six months old. One dog suffered a poisoning from eating a cigarette butt and ran up a $900 vet bill, of which Trupanion acknowledged $800 would go towards our $1,000 annual deductible. Then the next year premiums came. Not only did rates go up for both dogs (who are still under 2 years old), but they also changed the terms of the policy so that $1,000 lifetime deductible is now "per diagnosis", not per pet. The customer service person I spoke to was rude and had an attitude of "well just cancel the policy if you don't like it." That's exactly what we will do! DON'T WASTE YOUR MONEY WITH THESE PEOPLE.
Insurer: Trupanion Canada
By: Christa
Extraordinarily nice people in a bad time
Fist off, I never actually was able to file a claim so I have no experience in that area. I am hear because of the wonderful experience I had after the passing of my cat.After a few weeks of taking my cat to the vet, my bills started stacking up and we realized we needed insurance (even if it didn't cover the current issues). I thoroughly reviewed at least 6 different insurance companies. It felt like learning a new language to figure out what was going on. I went with Healthy Paws for numerous reasons (no annual cap, coverage starts 15 days after signing up, relatively cheap, one time annual deductible, etc). They are vastly better than just about every other company, maybe one or two came close, but I went with Healthy Paws because of an article in the Seattle Times (I think?) that reviewed numerous companies and decided they were the best (if narrowly). Anywho, it was unfortunately discovered that my cat had cancer that was very far along in the abdomen. We ended up putting him down about a week later. It was quite the horrible experience, as he was my best friend and not very old. I made myself cancel the insurance before I could forget. I was quite surprised that my first month fee was reimbursed without any hassle. I was expecting to pay it, but later realized they give you 30 days to "try them out". So that's pretty cool. However, the real reason I am here is that about another week later, at the deepest point of my despair, I got a letter from Healthy Paws in th
Insurer: Healthy Paws
By: Cade
ER Visits are never fun
I have Healthy Paws coverage for all four of my girls. Though the monthly premiums can get quite costly, I feel like they pay for themselves in the end. I recently had to take one of my girls to the ER for stitches and to get her eye checked out after a spat with another dog. I received an email stating that my claim had been processed within 2 days of it being submitted, and Healthy Paws reimbursed me for exactly what they said they would (90% of the bill after my deductible). The reimbursement check was a huge relief since I had just moved and since the holidays are coming up. This has been a trend since starting a policy with Healthy Paws, my claims are always paid quickly (once all of the proper information is submitted), and they have always covered what their policy says they will cover. I would recommend Healthy Paws to anyone looking for pet insurance.
Insurer: Healthy Paws
By: Becky
Payment was too low
While the service and turn around time for my claim was excellent I did not understand while a good chunk of the claim was not paid. I understand about the deductible but not the reduction of the submitted amounts. This is making me think twice if this insurance policy is really worth it.
Insurer: ASPCA
By: Robert
Very Satisfied
I have been paid fairly and promptly for all the claims I have made
Insurer: Embrace
By: DeDee
My Yorkie (Diva) needed a Healthy paw! SMILE
Recently my Yorkie was accidentally hurt playing with another dog. She started to limp after jumping around in the yard. The vet provided xrays and gave us the bad news. Diva tore her ACL and MCL, she also needed a steel rod inserted. She went into surgery to recieve a new Healthy PAW! With the holidays around the corner we my family was already financially tight and a huge vet bill was coming. I dont know what we would have done with out Healthy Paw Insurance. The support was amazing and they checked up on Diva more then the vet. I really am thankful and enjoyed the emails from your amazing staff. Thank you for such a fast turn around and how easy it was to receive the check/claim. Diva is walking again!
Insurer: Healthy Paws
By: Brian
Finally, an ins. company who reimburses
This is my 3rd pet insurance company and I am thrilled to have received a reimbursement check. The only thing I received from the other companies were excuses. Thank you for fulfilling your promises.
Insurer: Embrace
By: Robin
Bad service
I submitted three claims through the vet and so far they denied the claim. Sure my money's good and they take it. Once i summit the clsim i get a sorry letter. Just to remind you guys i am fully paid till mext month. This insurance just like to steal money from people and don't pay out. I am going to cancel this crappy insurance and find another one
Insurer: Embrace
By: Raquel
Thank you, Embrace!
When our 12 year old girl fell seriously ill with pancreatitis, we were terrified. Our sweet girl barely survived -- the intensive care of several specialists, in partnership with her regular veterinarian, saved her life. I spent quite a bit of time researching pet insurance prior to enrolling Cleo in Embrace many years ago. I chose Embrace for their excellent reputation and their flexible, straightforward plan (I want to make health decisions with my veterinarians -- not my insurance company!). Thankfully, I did not have a single claim prior to this event -- but that made me all the more nervous. Would Embrace live up to their promises? Thankfully, yes, they did. Within a few weeks, our claim -- which, in its entirety, encompassed several trips to both a specialty and standard veterinary hospital -- was covered exactly as our plan detailed. We were reimbursed promptly, much to our relief. Here's where it gets even better: like most insurance policies, the policy only extends for one year. Embrace wasn't legally committed to renew her policy after the year expired. I called them to express this concern: would they drop her after we filed a notable claim? Though we are longtime, dedicated clients, she is, after all, 12 years old, and this was a significant claim. A kind service representative assured me that though they were not obligated to offer a renewal, they don't, as a company, believe in conducting business like that. The service representative recalled only
Insurer: Embrace
By: Abby
Unbelievably Easy
We have two cats and have had them insured with Trupanion since we got them and have had nothing but incredible support from Trupanion from the beginning. When we have to make a claim, their turn around time is very minimal, so we usually receive our cheque within a week or so. They are always around to answer any questions for us and give us fantastic service. I recommend them highly to any other pet owner/lovers.
Insurer: Trupanion Canada
By: Allison