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Trupanion - thumbs up
Fortunately my vet office was offering a free 30 day promotional trial for trupanion pet insurance and the front desk person lectured me about signing up because it wouldn't work if I didn't go on line and register. Usually I would ignore and not follow through, but I took her advise. I honestly never believed in pet insurance - always thought it was a scam. My 3 1/2 month old Great Dane puppy got really sick quickly. She wasn't eating, extremely weak with 105 temp. She got referred to the Emergency/specialist vet and was kept overnight for observation testing, IV etc. The bill was about $2,200 and I got back $1,600 from trupanion in about 2 weeks!!! I am still going to submit the prescription medication receipts which I think will also be covered. Communication and follow through were great. I have read reviews that their costs increases after the first year even though they claim they don't do that, so time will tell. The only thing that I was disappointed in was that they didn't cover the specialists office visit. So I had already paid my regular vet visit and then got referred to the specialist, they charged me another office visit 10 minutes later. So even though it was a referral they didn't cover that office visit. All XRAYS, overnight care, IV etc were all covered. I am "sold" and have signed on for a year!
Insurer: Trupanion
By: Patricia
They kept their promise and more
My 1 yo puppy chewed and swallowed wool when I was sick in bed. Few days later he started to unsuccessful poop it out as well as throwing up the rest of the day. He didn't get better over night and needed to be seen. After one x-ray and examination later we had to decide between surgery, ultrasound-waiting-surgery, waiting-x-ray-surgery. I cannot tell you the relief and confidence it gave me to know that when they told me the price for any of these options that I would be able to do whatever it took to safe my puppy. He ended up with a 4 hour surgery, 4 cuts in his intestines to get all the string out and 2 nights in the hospital. Checking in with me and keeping reminding me what they needed for the claim was one thing, but when they even took it on themselves to call the hospital and our vet to get the information they needed I was really impressed.
Insurer: Healthy Paws
By: Eva
Great service!
I had several claims because I have a puppy. Communication was very clear, they confirmed receipt of claim, updated me throughout the process and when I disagreed with one of their decisions to deny a claim; they really listened and understood my point of view and paid the claim. They are good, honest people who really do love pets.
Insurer: Embrace
By: Susie
Incredible Customer Service
Our 1.5 yr old Pit Bull, Molly, tore her CrCL (ACL) and required expensive TPLO surgery to repair her knee. Fortunately Molly was covered by Healthy Paws Pet Insurance so she could get this very technical procedure done. Getting right to the point, Healthy Paws helped us complete the simple claims procedure and promptly paid the claim in full according to the terms set forth in the policy. They were there to assist every step of the way and promptly returned every call I made to them and quickly replied to every email. The support staff at Healthy Paws was genuinely concerned and sensative to our needs. In short, Healthy Paws made this unpleasant time in our life a lot less stressful. With the cost of pet health care being what it is, I would very highly recommend Healthy Paws Pet Insurance to anyone who is considering pet insurance.
Insurer: Healthy Paws
By: Leonard
Best Pet Insurance, Highly Recommend
I spent many hours researching pet insurance as I had previously had insurance with another company and was not satisfied. I highly recommend Healthly Paws to anyone looking to insure their pet. One example of their exemplary service is how I faxed in my dog's insurance claim on a Sunday at 12:00 pm and by 5:00 pm I received an email letting me know my claim was processed and my payment was be sent out. Payment has always been within 5 days. They have always been there to answer all my questions and I have also pre-submitted estimates to check coverage ahead of time. I have have let all my friends and family know about this company including the Animal Hospital where my dog under went his surgery.
Insurer: Healthy Paws
By: Amy
3+ years of amazing service!!!
We have now had our dog insured with Embrace for over 3 years and we have been totally pleased. They covered him when he had to have emergency surgery for eating pantyhose (bad puppy!) not long after we first signed up with them and their coverage paid for his premiums for a long time! They are quick to respond, fast to process claims, SUPER nice, thorough, and do what they say they'll do. They cover what they agree to and break down your claim response in detail. You can't beat that. I know it's been said before but if only human health insurance was this good, we'd live in a better world!!!
Insurer: Embrace
By: Lia
Excellent Updates
I have always insured my dog, just in case. Coming from the UK pet insurance is soooo much cheaper, so my husband begrudges paying for it in Canada. However, this proved invaluable as our puppy just contracted Parvo. Even though she had been given all her shots she caught it. It was great piece of mind knowing that she was covered, so the vets could give her whatever she needed to get better. Trupanion have a very easy claim form to fill out. I come from an insurance background so I know to read the T&C's to see exactly what is covered. The communication via email was excellent as it was timely and they didn't leave you wondering about what stage the claim is at. The only thing was that I received 2 claim emails and this was a little confusing as I thought all her treatment was the same claim. I emailed back to question this and they said I had two claims in. I called to query this and after 10 minutes on hold, was told it was an input error. However, when the claim came through they are treating it as 2 claims (Only one lot of excess though). Overall, it is great peace of mind to know that my fur babies are covered no matter what, to any amount, any number of times.
Insurer: Trupanion
By: Katie
Excellent Updates
I have always insured my dog, just in case. Coming from the UK pet insurance is soooo much cheaper, so my husband begrudges paying for it in Canada. However, this proved invaluable as our puppy just contracted Parvo. Even though she had been given all her shots she caught it. It was great piece of mind knowing that she was covered, so the vets could give her whatever she needed to get better. Trupanion have a very easy claim form to fill out. I come from an insurance background so I know to read the T&C's to see exactly what is covered. The communication via email was excellent as it was timely and they didn't leave you wondering about what stage the claim is at. The only thing was that I received 2 claim emails and this was a little confusing as I thought all her treatment was the same claim. I emailed back to question this and they said I had two claims in. I called to query this and after 10 minutes on hold, was told it was an input error. However, when the claim came through they are treating it as 2 claims (Only one lot of excess though). Overall, it is great peace of mind to know that my fur babies are covered no matter what, to any amount, any number of times.
Insurer: Trupanion Canada
By: Katie
Great
Great communication and fast payment. Very transparent company!
Insurer: Embrace
By: Alexis
Making chemotherapy affordable
My 9 year old Rotti-mix has recurrent lymphoma (was in remission and came back). Without insurance I woud be in a very difficult position; deciding whether we could afford his chemotherapy treatments. Embrace has been great; paying promptly for his 16 treatments the first time and paying again now that the cancer has returned. Over all they've been a pleasure to deal with.
Insurer: Embrace
By: Ronald