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faxed in the claim and received the checks in less than a week. email status updates were also very helpful.

I only wish that our health insurance program was this easy

I only wish that our health insurance program was this easy

We needed a policy for our two new puppies and hands down Embrace offered the best policy for the money. We were able to build a suitable policy for two at about $150 a month! We were extremely pleased with that! Our experience with customer service, reimbursements & the policy have been great thus far. We will look at changing the policy to suit us as our puppies grow and as long as Embrace continues the good business we will most definitely stick with them!

Great pet insurance company!

Great pet insurance company!

We just had our second claim. Our doggie was limping quite a bit after vigorous play and, after a visit late last year, we took him back to our vet. Embrace is paying what they promised they would in a timely fashion. I don't think you can ask for much more.

Typically I have very little trust in insurance companies so I was extremely skeptical on if I should insure my yorkie puppy Rupert. I went back and forth with the idea and finally settled on the $50 deductable, 90% coverage plan. We recently had to take Rupert to the emergency room for something, (we're still not positive what it was) and the bill was more than I could afford. Healthy Paws covered exactly everything they said they were going to. The customer service was amazing. The claims process was extremely easy. They processed my claim quickly and I had my payment in hand 2 weeks after the claim was filed. I'm sad to say that my dog's health insurance company is better than mine. I would reccommend this company to anyone with a pet. Its SO worth it! You always think that you're not going to need it, but eveyrthing can change in a matter of a second and its always when you need it the least. I wish every company I had to deal with on a daily basis was as good as Healthy Paws. A company that does what they say they're going to do.... imagine that!!!!

I have had Trupanion for almost a year and I just received notice that my premiums are increasing from $42.70/mo. to $94.97/mo. That's an increase of 122%!! Their justification for the premium hike is an "increase in medical costs." This argument is completely unfounded for the following reasons: 1). My dog sees 2 different local vets and neither one of them have increased their rates. 2). The U.S. Bureau of Labor Statistics ("BLS") annually publishes the Consumer Price Index (CPI) summarizing the average costs to U.S. consumers for certain categories of expenses. According to the most recent report, the cost of veterinary care only increased 4.6% from 2010 to 2011. In fact, according to the data on the BLS website, from 2003 to the present, the average cost of vet services has never increased annually more than 6.3%. So how does Trupanion justify an increase in my premium of 122% when the national average for increased vet care is only 4.6%? In my opinion, they don't. Other customers have posted similar complaints on this website about premium increases. Here is one of Trupanion's responses: "if you compare our most recent rates with our competitors' rates, you will see that we are in the same ballpark for pricing." (See http://www.petinsurancereview.com/reviewComment.asp?ID2=1300&ID1=15639) This statement, true or not, is completely irrelevant. When I signed up for my policy, I was promised the "rates will occasionally be adjusted to reflect

Wellness program first refund coming. All went smoothly. Such great communication by email.