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After doing a lot of research three years ago, I selected Trupanion to cover my then 2 year old rescue. She had been starved and abused so I purchased my first pet insurance policy to cover her. Trupanion has sliding deductibles so I could create a policy that worked best for me. I wanted a policy that would cover serious medical issues, while I took care of her routine care, so I selected a higher deductable which also gives a lower monthly premium. When you get insurance, you really hope you never have to use it. Unfortunately for my dog, she ended up in the emergency vet twice this year with bills for each incidence exceeding $2,000. The most recent incidence was mammary cancer. It was such a relief to know that I had Trupanion and could give my dog the care she needed. Trupanion was fabulous processing my claims for both incidences. They kept me advised every step of the way. They processed my claims quickly and covered all the charges submitted. I really can't say enough good about Trupanion! If you are looking for pet insurance you should really consider Trupanion.

Our wonderful 4-yr. old pit bull recently had surgery to repair a torn ACL, and we sent the bill, which was approximately $3500., to Healthy Paws Pet Insurance for reimbursement.Within a day of their receiving the claim I received an email telling me that they were processing it and within another 3 days I received checks for 90% of the charges. The people who work at Healthy Paws have always been caring, helpful beyond expectations (including calling a veterinarian who had seen our dog last year but would not send the detailed notes that the insurance co. requested), and just overall exceptionally nice. We are so grateful to Healthy Paws because without them I'm not sure we would have been able to give our dog the medical treatment she needed.

We chose Embrace for two of our dogs insurance and submitted our first claim. Our dog had high protein (a year ago) in his urine which Embrace counted as a pre-existing condition. Recently he was not acting well so we brought him to the vet to see if something was wrong. Our vet did a number of tests - ONE of which waS related to the pre-existing condition. The bill was $645. Embrace initially rejected the whole claim. After appeal they agreed to pay only the wellness portion ($200). T The rest of the tests they rejected...including Chemistry Super, T4 Thyroid test, and the Lyme panel which were absolutely not related (and not part of a wellness exam). They basically are saying that if there is ANY pre-existing condition All diagnostic testing for that pet will be denied forever....no matter how unrelated the test are to the initial condition. This is completely unacceptable. I consider this company to be deceitful and totally unethical. Do not sign up for Embrace...find a better choice as we are going to do!

I am quite pleased Trupanion as I feel the company has become more user friendly. I have noticed that reimbursement turnaround time is much faster and claim is clearly explained as opposed to earlier prototypes. I am glad I gave Trupanion a second chance- it has proven to be well worth the monthly premiums.

I am quite pleased Trupanion as I feel the company has become more user friendly. I have noticed that reimbursement turnaround time is much faster and claim is clearly explained as opposed to earlier prototypes. I am glad I gave Trupanion a second chance- it has proven to be well worth the monthly premiums.

I was a little bit skeptical when I insured my dog with Healthy Paws but now,I am very happy that I chose them; In my first claim they approve my reimbursement just one day after they received all the documentation.The representatives were really kind and they answered all my questions regarding my claim very fast and kindly. Also a few days afters they just sent me an email to follow up the health of my dog; something that I really appreciated and that not even the clinic did. I really recommend this insurance because before I bought it I searched and compare many others companies and it was the more affordable and with better benefits, and now I could see that what they say in its website is true.

This is the first time we've ever had pet insurance. With the high bills we had caring for our last dog who died of cancer, we decided to purchase it for our goldendoodle. She got very sick right before Thanksgiving and ended up in the hospital in the middle of the night. Her decline was very rapid and we were shocked at how serious her condition had become. The easy claim filing and the unbelievably quick response from Healthy Paws was a relief. We were expecting a hassle like most insurance claims, but there was none and our claim (app. $2500) was processed within a week. We received the check a few days later. Also, their kind inquiries afterward about Sophie's health was much appreciated. We have already recommended Healthy Paws to friends and both the pet hospital and our vet asked for Healthy Paws information.

I have had Embrace insurance for the last 4 years or so. Embrace has always paid claims promptly and without fuss. The staff has been unfailingly polite and accommodating. This review is not for one incident but for many over the last few years as my dog's health declined due to kidney disease then kidney failure.

My dog Ben has been with Healthy Paws since February, 2012. My experience with Healthy Paws has been just fantastic. He's 9 years old now; getting the up-front review of medical records to identify pre-existing conditions was really helpful. What I really appreciate as the months go by is how fast they review claims: we had a vet visit yesterday, the office faxed the claim form before we left, and today we received the Explanation of Benefits. The check will take a while to arrive, but knowing the numbers so promptly lets me budget accordingly. The premiums are very reasonable, too. I've dealt with other pet insurance companies who take weeks to process a claim. I recommend Healthy Paws to any pet owners I talk to!

Insurance is great but it took two months to process because they needed to get all the background info from his other vets before processing. I'd assume any further needs would be much quicker. The Care Credit Card gives 0 interest on bills over 200.00 so that helped avoid interest charges.