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Three years ago, we adopted our little pit bull mix Birdie. She was the eighth dog we had fostered that year and was sweet and small and ran away with our hearts, so we decided to make her a permanent part of our family. Almost immediately after we signed the adoption papers we discovered that Birdie had a serious, life threatening liver problem which we then spent several weeks and several thousand dollars treating her for, finally bringing her back to perfect health. After that serious and costly illness, we decided to listen to some of our wiser friends and our veterinarian who had all been suggesting we look into pet insurance. After checking out several companies and comparing rates, coverage, and reviews, we enrolled Birdie in a Healthy Paws Pet Insurance plan, and boy are we glad we did. A year or so after getting her policy, Birdie ran across the yard in pursuit of a squirrel and came back limping badly, her right leg dangling loosely above the ground. X-rays and examinations showed that she had torn a major stabilizing ligament in her right knee and required an extreme repair--TPLO surgery. The surgery cost a stunning $2,600, was very successful, and better yet--Healthy Paws covered 90% of the costs after our deductible, so we received compensation in the range of $2200! Wow! Finally things worked out the way they're supposed to. Unfortunately, while consulting with the doctor about Birdie's injury, we learned that a high percentage of dogs that have t

Our girl has been under treatment for melanoma. Her surgery, biopsies, and lab work - all reimbursed within 3 days. She's now being treated with the melanoma vaccine gene therapy for the cancer; Embrace processed the claim and reimbursed us within 3 days. Getting the reimbursement direct deposit has been a great help to us, as well as the fact that they reimburse on a percentage of actual charges instead of a "reasonable and customary" fee schedule, like almost every human insurance company does nowadays... We've been insured with Embrace since 2009 and recommend them highly to anyone looking for health coverage for their furchildren.

When our Bernese Mountain Dog, India, was nine months old she was diagnosed with elbow displaysia. Although we understand dogs of her breed often suffer from hip dysplasia later in life, we were completely surprised by the elbow diagnosis, which can be more difficult to treat. Thankfully, we had already signed on with Embrace. We originally chose Embrace because of its comprehensive care and willingness to support alternative therapies; the health & wellness of our family pets is very important to us. At four years of age, India has had three surgeries on her elbows and shoulders, rehabilitation, and stem cell therapy. Embrace has helped us with all of her care! We are extremely grateful! Hopefully, India has many years ahead and we will be able to continue to keep her joints as strong as possible. India also serves as the unofficial mascot of a local elementary school - many kids and adults depend on her happy presence and Berner love each day. Thank you, Embrace for helping us to keep her healthy.

Response time was reasonable and we were satisfied with the result. The covered portion was applied to the deductible as we expected.

Recently my dog tore his cruciate ligament and requires surgery. We just went through this 5 months ago with his other leg. We are so upset that our boy has to go through this again. The shining star in all of this is Trupanion! In less than a week I received a deposit for the initial X-ray and exam. But best of all they have lifted the financial strain by providing an express claim for the surgery. By the end of this operation as well as the first one, Trupanion will have helped us with almost 10,000 dollars. The staff are extremely helpful and genuinely concerned about our dog. Thank God we switched pet insurance from another well known company that kept reducing our coverage and increasing our monthly payments!!!

Recently my dog tore his cruciate ligament and requires surgery. We just went through this 5 months ago with his other leg. We are so upset that our boy has to go through this again. The shining star in all of this is Trupanion! In less than a week I received a deposit for the initial X-ray and exam. But best of all they have lifted the financial strain by providing an express claim for the surgery. By the end of this operation as well as the first one, Trupanion will have helped us with almost 10,000 dollars. The staff are extremely helpful and genuinely concerned about our dog. Thank God we switched pet insurance from another well known company that kept reducing our coverage and increasing our monthly payments!!!

I've used VPI and Embrace with previous pets. I had great service with Embrace (not so great service with VPI!). When it came time to insure my new Boerboel puppy I was going to quickly run back to embrace, but my employer offered a reduced rate with trupanion, who I knew nothing about. Instead the reviews and decided it was worth a shot. Glad I did! Same great service as Embrace, and they cover everything at 90%! I really like the pre-authorization that guarantees coverage before I dish out the money. I remember the days on VPI when I'd have to wait 2-3 months with my fingers crossed and hope they'd at least give me back half the money. This was a revelation. Less than a week after surgery I had the money in the bank. Amazing.

I've used VPI and Embrace with previous pets. I had great service with Embrace (not so great service with VPI!). When it came time to insure my new Boerboel puppy I was going to quickly run back to embrace, but my employer offered a reduced rate with trupanion, who I knew nothing about. Instead the reviews and decided it was worth a shot. Glad I did! Same great service as Embrace, and they cover everything at 90%! I really like the pre-authorization that guarantees coverage before I dish out the money. I remember the days on VPI when I'd have to wait 2-3 months with my fingers crossed and hope they'd at least give me back half the money. This was a revelation. Less than a week after surgery I had the money in the bank. Amazing.

Second dental in less than six months and paid with no delays!

Second dental in less than six months and paid with no delays!