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Straight from the Veterinary Assistant's Mouth
Working for a veterinary clinic I am all too aware of how expensive veterinary care can become and how quickly it all adds up. When my dog contracted a strain of leptospirosis not covered by the vaccine a year and a half ago and ended up in renal failure with permanent kidney damage do I ever wish I had known about Trupanion. Once learning about them I did sign up right away. Although they do not cover my pups pre-existing kidney condition they have since covered close to a thousand dollars in diagnostics for a new problem. Also going above and beyond when I challenged a rejected submittal they provided a 3rd party review and paid out for the claim. I have only had the insurance for about 5 months and have not seen any increase in my premium.I will never be without pet insurance again, I have learned my lesson and will stay a Trupanion customer for all my future pets.
Insurer: Trupanion
By: Lindsay
Excellent
I filed my claim by fax on Feb 15 2011 and I received the cheque in my hand on Mar 2011 - all my staff and friends were amazed and as a result - 4 of my staff members have now taken out insurance for their pets. I am totally impressed with this company.
Insurer: Trupanion
By: Sharryn
Excellent
I filed my claim by fax on Feb 15 2011 and I received the cheque in my hand on Mar 2011 - all my staff and friends were amazed and as a result - 4 of my staff members have now taken out insurance for their pets. I am totally impressed with this company.
Insurer: Trupanion Canada
By: Sharryn
Very reasonable folks
This was my first time submitting a claim to Embrace and we started out with a little bump. There was a misunderstanding that required me asking to communicate with management. I'm happy to say that the manager I dealt with was very reasonable and was willing to see my perspective. She worked with me to process my claim. End of story - I'm a happy customer!
Insurer: Embrace
By: Amy
Tequila dog
At Christmas time our puppy sampled a bit of margarita and became quite ill. We took him to emmergency, where he spent the night, in a guarded condition. The bill was substantial and the insurance company paid 80% without any questions. We are so happy to have bought this policy.
Insurer: ASPCA
By: Helen
Efficient, friendly and reliable
Just got my puppy covered in January and submitted two claims this month. Process was simple and easy and customer service was great. When they couldn't read a fax I sent, they just contacted my vets directly. It was super easy for me and I am so glad I chose them after TONS of research! They also let me know step-by-step how much I have left of my deductible. So easy and efficient.
Insurer: Embrace
By: Kasia
A good but not the best insurance
In 2003 I signed up my dog for petsecure 3. In 2007 he was diagnosed with diabeties. I was happy he had the insurance as I did not have to worry about treatment costs. I was even able to have cataract surgery to restore his eyesight that he lost due to the disease. In 2010 he was diagnosed with a liver issue and once again all his treatment costs were covered. My dog died in 2011 and his cremation expenses were covered. I found their customer service representatives to be very helpful and considerate. When I had a issue with my policy I felt they listened and the issued was addressed. My main issue with the policy results from the increase in the required co-payments if you are deemed to be in the top % of claims, both in number or amount. This affected me in that twice they wanted to increase my co-payments, I was only treating the diabeties at that time, but I was able to reason with them and explained that as the condition was chronic treatment was spread out over the life of the animal. I was advised if I made a claim for any other condition my co-payments would increase. As a pet ages it is likely they will develope multiple conditions that require treatment and this is when you need the policy the most. As a result I would not purchase a policy with Petsecure again as I was able to purchase a policy where I am not penalized for multiple conditions and there is no limit on the payout for any condition and the price of this policy is comparable.
Insurer: Petsecure
By: D.
Definitely worth it!!
Adopted my rescue Mischa (G.Shephard/Akita mix) @ 5 months old in January 2008 & didn't get insurance til she was over a year old. Recommend to anyone adopting or purchasing a dog to get it RIGHT AWAY. Completely worth it. About 6 months after getting the insurance, Mischa started to limp on her back right leg. After leaving it for a couple months - we did tests; x-rays & anti-inflammatories...to find out it was a partially torn CCL (ACL). Decided to use the meds to reduce inflamation & monitor. 1 year later; the limping is worse & through more tests we've found out that now both CCL's are partially torn. She will likely need a TPLO surgery to repair this in the near future. Surgery aside; we've had about $3500 in claims for the tests & meds over the past year. Not only has Trupanion done their part & covered everything they're supposed to; they're timely & keep in frequent contact via email to let you know that your claim has been received; reviewed & processed. It's great to have that information & have the claims processed so quickly. The only thing I wish I would have known (more clearly) is the coverage for hip displaysia. I wasn't aware that this was a separate coverage at the time of sign-up. Having a G.Shepherd; I definitely would have liked this option but looks like the knees are going to be the problem for this girl anyways!!
Insurer: Trupanion
By: Gina
Definitely worth it!!
Adopted my rescue Mischa (G.Shephard/Akita mix) @ 5 months old in January 2008 & didn't get insurance til she was over a year old. Recommend to anyone adopting or purchasing a dog to get it RIGHT AWAY. Completely worth it. About 6 months after getting the insurance, Mischa started to limp on her back right leg. After leaving it for a couple months - we did tests; x-rays & anti-inflammatories...to find out it was a partially torn CCL (ACL). Decided to use the meds to reduce inflamation & monitor. 1 year later; the limping is worse & through more tests we've found out that now both CCL's are partially torn. She will likely need a TPLO surgery to repair this in the near future. Surgery aside; we've had about $3500 in claims for the tests & meds over the past year. Not only has Trupanion done their part & covered everything they're supposed to; they're timely & keep in frequent contact via email to let you know that your claim has been received; reviewed & processed. It's great to have that information & have the claims processed so quickly. The only thing I wish I would have known (more clearly) is the coverage for hip displaysia. I wasn't aware that this was a separate coverage at the time of sign-up. Having a G.Shepherd; I definitely would have liked this option but looks like the knees are going to be the problem for this girl anyways!!
Insurer: Trupanion Canada
By: Gina
Pretty good - just not for me
I chose Pets Best based on all the great reviews here. I checked out their website, and I liked that they seemed to cover more things than their competitors -- especially when it came to wellness and dental -- and do the 80/20 reimbursement vs the predetermined coverage amount approach. Their prices were also pretty reasonable (about $35/month for accident, wellness and dental for a 2 y/o cat). I stayed with Pets Best for about year and recently left to switch to Embrace. I should have read the fine print better when I signed up for Pets Best, but I left when I learned their deductible is per incident (like car insurance) -- not annually (like health insurance for people). I just felt like I was not truly getting a value for my money. I filed one claim all year -- about $650 to biopsy, diagnose and treat feline granuloma (a randomly-occurring autoimmune skin flare-up - kind of like canker sores in people). After the deductible ($250), co-pay ($75) and the amount not covered ($25 for medical waste fee and optional fluoride treatment for teeth), I got back around $300, which is a little less than what I paid in annual premiums. I wasn't even breaking even. I was disappointed, though I assumed that I met my deductible for the year and that I'd just have to take this initial hit before the true benefit of having insurance would kick in for the next incident... but I decided to double-check to make sure my assumption was correct. Glad I did, as the agent explained to me t
Insurer: Pets Best
By: Jessica