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I have two cavalier king charles spaniels. If you are not familiar with the breed, there are several specific health concerns that are associated with them. Because I wanted to make sure that my animals were able to receive the best care possible, I decided to invest in pet insurance for them. I did extensive research on all of the companies, and ultimately ended up with Healthy Paws Pet Insurance for several reasons: 1. No Anual cap on claims: this was very important to check, as with your premiums, some companies have caps at around 1,500.00 a year. This made no sense to me, given the comparison of premiums and the coverage.healthy paws has no annual cap, the only company I could find that offered no cap. 2. Pre-existing condition coverage: again, this was a fine print obsession for me. My older cavalier had a luxating platella in his right knee prior to obtaining coverage. This is very common, so I wanted to make sure that any insurance company I went with would cover a similar injury to the other leg. In the context of pet insurance, this is apparently referred to as a "bilateral condition". Healthy Paws was the ONLY insurance company who had very minor restrictions on Bilateral pre-existing conditions, only ACL injuries, which seemed very univesal to all companies. 3.Reimbursement values: this was the best around, I ended up selecting the 90% reimbursement, with a slightly higher premium. 4. Adjustable premiums: this allowed a lot of freedom in deciding h

Only one claim experience, but Trupanion delivered exactly as promised and in a timely manner.

Only one claim experience, but Trupanion delivered exactly as promised and in a timely manner.

My Boston Terrier mix, Callie, had a run-in with a porcupine. She needed extensive medical care and because of Embrace I didn't have to hesitate with a "YES" when the doctors asked "May we proceed?" Callie didn't make it but I rest easier knowing we did everything we could. I didn't have to make that hard decision that is usually driven by my financial situation. Thank you Embrace for being there for us. The claim process was easy during a hard time. When I spoke to you on the phone you were practically crying with me and I could feel the understanding. I'm not sure what else to say but if you are considering pet insurance, don't just consider it, DO IT! Embrace is the place to go. The process of enrolling and placing claims is quick and easy and worth every penny.

Have made several claims to Trupanion and have received my refund within days. My vet now directly bills Trupanion so I only have to pay my portion at the vet and Trupanion reimburses them the rest

Have made several claims to Trupanion and have received my refund within days. My vet now directly bills Trupanion so I only have to pay my portion at the vet and Trupanion reimburses them the rest

Our little dog developed cataracts in both eyes and became completely blind. Had cataract surgery in one eye and her eyesight is back in same. Submitted claim and received very a prompt positive response and a check shortly thereafter. Very happy with Trupanion.

Our little dog developed cataracts in both eyes and became completely blind. Had cataract surgery in one eye and her eyesight is back in same. Submitted claim and received very a prompt positive response and a check shortly thereafter. Very happy with Trupanion.

It's always easy to get through immediately to a real, live person who is relaxed, helpful, and actually knowledgeable. I quickly got the answers I needed and, for good reasons, trusted that whatever I addressed would be handled swiftly and thoroughly. I've had cats since I was 4 and now I'm 64 and this is the first time I purchased insurance and I'm sooooo glad I did.

I submitted my dog's claim and the next day Trupanion sent me a detailed email telling me how much they covered and what I should be expecting. I love that they cover 90% and I'm happy I have $0 deductible. It totally takes the stress out of worrying about finances and lets me focus on making the best medical decisions for my dog.