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I am so glad my vet convinced me to get vet insurance through Trupanion when Morrison, my Golden Retriever, was a puppy. (He is now 3 1/2.) It was the best advice I received. I admit I was skeptical when the vet brought it up. I said to the Vet, yes but will there be a loophole every time and will they say this isn't covered and that isn't covered? My vet said, "No, these guys are legit." Some people at the dog park say to me, "I just put money in a jar for emergency vet funds." But I know that wouldn't work because what about car emergencies and Christmas and the furnace needing replacing? etc. I feel really comforted knowing there is provision JUST for Morrison's needs. It can't be allocated to anything else. It is just Morrison's. I never want Morrison's health to come second to whether I can afford it or not.

We decided in August 2012 (after a great deal of research) to go with Healthy Paws pet insurance for our two young mixed breed rescue dogs. Zoe (11 lbs.) is a yorkshire terrier mix and Mara (18 lbs.) is a mix of Chinese Crested and Boglen terrier. They are both very healthy dogs, but we wanted protection and peace of mind against unforseen injury or illness. Unfortunately, Zoe became ill October 17th, with vomiting and diarrhea. We took her to the vet that morning and a blood test revealed she had HGE (hemorrhagic gastroenteritis) and was dehydrated. She had to stay in the hospital for three days, with an IV and supportive treatment. Antibiotics, anti-nausea drugs, the works. She made a full recovery, but the cost of those three days came to $924.40, not something we can afford at one time. We paid the bill and I submitted the claim form, invoices and Zoe's records from the vet via e-mail to Healthy Paws. I e-mailed that info to them at 4:24 PM on 10/30/12 and I received a response that the claim was being processed at 9:56 AM the next morning. Wow! The Explanation of Benefits (EOB) attached to that e-mail was so clear and concise I could see exactly what was covered minus our deductible and what the amount of the check would be that we would receive in the mail. They covered everything exactly as they were supposed to, I wish MY healthcare company had it together enough to provide such a clear EOB. Even the wording of their e-mails were warm and personal, you get the feeling

An honest and complete pet insurance company. Claims are processed and our pets remain in good health.I recommend them to all my friends without hesitation.

I never write reviews, but with Embrace, I had to. I have had Embrace pet insurance for over 4 years now and while the premium is a little higher than what I started with, it has been well worth it. Everytime there is a claim, the claim specialist (aka embracer!) makes sure to let me know they received the claim, sends an update if things are delayed and usually claims are paid out as promised with no hidden language in 3-4 weeks. I HAVE NEVER HAD ANY ISSUES WITH CLAIMS NOT BEING PAID. One of the honest insurance companies I have come across (comparing human and pet insurances) in my life and its very refreshing! Keep up the good work Embrace!

Embrace has been great in their communication of claims and speed in processing claims. I highly recommend them to anyone who has a pet.

It was nice to be in touch with a real person at Healthy Paws instead a large company with automatic replies.

Our dog Metta is a nine month old Newf. She has had smoe bladder and urinary track issues and Healthy Paws has not flinched once a the treatments proposed or payment. I highly recommend this company and their product.

Our 8 month old Morkie named Marley Jane began to walk with a slight limp in the beginning of August that got progressively worse each day. After a visit to her vet, she was diagnosed with Legg Perthes Disease. To our surprise, the best option for our little puppy to live a normal, pain free life was a full hip replacement! So on August 21, Marley underwent the $6,000 surgery to get a new hip. Now, eleven weeks after surgery, she is doing SO much better and feels great! If it weren't for Trupanion, we would have NEVER been able to do this for Marley. They were such a blessing!

Our 8 month old Morkie named Marley Jane began to walk with a slight limp in the beginning of August that got progressively worse each day. After a visit to her vet, she was diagnosed with Legg Perthes Disease. To our surprise, the best option for our little puppy to live a normal, pain free life was a full hip replacement! So on August 21, Marley underwent the $6,000 surgery to get a new hip. Now, eleven weeks after surgery, she is doing SO much better and feels great! If it weren't for Trupanion, we would have NEVER been able to do this for Marley. They were such a blessing!

Our beloved Cola is in end-stage liver failure after only a few short years with us. Having insurance for her veterinary services gives us peace - particularly because she has gotten herself into some "interesting" situations over the years.