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We got a 4 month old Terrior who has gotten sick several times first with upset stomach, then an ear infection and finaly was diagnosed with Hip Displaysia and had surgery all before reaching 9 month. I got insurance when she was 6 month old and nothing i listed above was covered by embrace. They brushed everything off as a pre-existing condition which is not covered. I don't know about you but i don't see how an upset stomach in a 4 month old puppy becomes a pre-existing condition. I understand not covering a $2000 surgery but not covering an $120 vet bill for an upset stomach?

Healthy Paws has been absolutely wonderful! We only started our policy for our 8 year old bichon mix a couple months ago, and he started acting lame around Christmas time. I took him to the vet and he had an exam and xrays which showed a knee problem. We were referred to a specialist and we submitted our first claim for the xrays and pain meds. After receiving our dog's full medical history and reviewing it for 10 business days as was stated online, Healthy Paws approved the payment of a reimbursement, after our $250 deductible. Next, the specialist confirmed that our dog had an ACL tear and needed surgery. I called Healthy Paws and they assured me that the surgery would be covered. When the surgery was performed last week, we paid the bill and the vet faxed in the claim form. We received the reimbursement check for over $2500 TWO DAYS after the claim was submitted: even before the credit card was charged for the surgery! I am amazed by the promptness and caring demonstrated by this company, and I am telling all my friends about them!

I have been pleased with the coverage for KC and it has covered the few problems he has had. It is knowing that if anything of great costs we have some help with the costs of vet care.

We recently purchased Embrace Pet Insurance for our Newfoundland puppy and our first interactions with the company have been great! Very easy to communicate and when submitting a Wellness Rewards claim we received our reimbersement quickly. I like the fact that they give you email updates when they receive your claim and when they mail your check.

Very friendly and knowledgeable customer service representatives. Received insurance check within a week of surgery. They emailed me to make sure I received the insurance payment and if I had not they were going to followup to find out where the check was. Glad I decided to take out pet insurance throug this company.

We have had Embrace insurance for many years now for our two dogs. Over the years, we have had a number of claims, all paid promptly. This year, our flat-coated retriever developed malignant histiocytosis, a nasty cancer that has required several rounds of chemotherapy. All of our claims have been addressed promptly and the communication has been excellent. Without insurance, we would be devastated. We chose Embrace specifically because they covered cancers like histiocytosis, which flatcoats are unfortunately prone to acquire. We are dealing with the stress of a cancer that is always fatal; it has been such a relief not to have to worry about the vet bills. Thank you, Embrace.

Trupanion staff was very friendly, informative and quite helpful in the details regarding the handling and processing of a claim. They kept me posted via email, as to the status of our claim throughout the entire process and provided answers to all my questions as well as a clear explanation of what was and was not covered. Thank you again!

Trupanion staff was very friendly, informative and quite helpful in the details regarding the handling and processing of a claim. They kept me posted via email, as to the status of our claim throughout the entire process and provided answers to all my questions as well as a clear explanation of what was and was not covered. Thank you again!

I worked so hard researching insurance companies, it came down to healthy paws and another similar one. My tip for you, 15 day waiting period, actually means 16 - one day to process the sign up, then 12:01 the next day + 15 days wait period...I did not see this clearly stated anywhere that I could fine, however they tell me it is (I signed up on web not on phone). So when I made an appointment for my puppy's vaccine I did the calculation 2 weeks + 1 day. There was nothing wrong, just a well visit, so might as well walk into the vet during coverage period rather than uninsured. Well unfortunately it was major, my poor pup had a severe reaction and needed emergency medical care of $200 (thank goodness he is fine), I was grateful I had waited the 15 days. After submitting the claim I was told how the first day sign up does not count and it actually began the following day and I am not covered. I think the part that annoys me most though...they had no problem billing me on sign up day and no problem billing me that day each month, but yet it doesn't count toward the wait period. I am sure they will cover things in the future, but just be better informed than I was, it could save you a bit of money.

Honestly, the plan is amazing, probably the best available in Canada. I work at a vet and I do recommend this plan to clients because it's simple. But, if you start with a deductible and then change it to nothing, they can give you a bit of grief as they will try to relate the issue back to when you had a deductible. I understand that it's because they have had a lot of fraud, but it can be frustrating. In the end, I don't regret choosing Trupanion, and I still recommend them. The plan is amazing, and you are reimbursed quite quickly.