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My 4 1/2 month old puppy Billy had diahrrea, and I took him to the vet assuming there was a simple cause like intestinal worms. When the fecal test came back negative, the vet did an X-ray and saw that he had eaten a sewing needle. He needed emergency surgery that day. The vet gave me an estimate of $1500 but the total ended up at almost $2800 because of damage to his intestine. I was so scared for Billy to undergo such a major surgery at such a young age. Also, I didn't have the money and had to take out a loan. Healthy Paws paid me back exactly what my plan dictated - 90% of the bill - promptly. And they checked in to make sure he was doing ok. I literally don't know what I would have done without Healthy Paws- and luckily, I don't have to find out!THANK YOU HEALTHY PAWS!

I've had Embrace insurance for my dog for less than a year and have been pleased thus far. Recently I was told a skin blemish on the dog's rear end could not be covered because he had an ear infection on his first appointment! Seriously, that's stretching it don't you think? I am disapointed to say the least. Also, you list ear problem and skin porblem seperately below. Obviously you do know they are two different things.

I have pugs, which is one of those breeds with lots of potential problems. I got this insurance for the pug I've had since he was a puppy, and he's been ridiculously healthy (fortunately). When I adopted my second from the ASPCA, I thought I'd better add her, and was delighted with the second pet discount. Well, she turned out to be a lot less fortunate in her health issues, and while we didn't opt for the wellness coverage, since we budget for those vet visits, all the premiums we'd paid for the first dog have all been nearly reimbursed since Gremlin developed a persistant infection. I think the amount of reimbursement was fair, although living in my NYC neighborhood, the allowance for office visits and antibiotics was a little low (I've shopped around and my vet now is much more reasonable than the one I used to go to!) Other than that, I've been very happy with this insurance. Prompt payment, and courteous customer service, and I can check on all my claims on a secure website - no holding for the next available person!

I have only good things to say about my experience. After vet appt, faxed bill and diagnosis (UTI)to Petshealth. Two weeks got check...easy

After having found out that my precious Mini was diagnosed with a liver tumor, I really didn;t know what to do. I figured at 14 years old, Trupanion might not cover her surgery. However, after calling Trupanion and talking to Rachel in cusotmer care, she was very sympathetic to my situation, I found out within a few days that they indeed would cover her surgery! My decision to go ahead with the surgery was made easier just knowing that they would financially be by my side, otherwise I would have had to make a very different and unpleasant decision. Mini is now two weeks into her recovery, and we are happy and healthy. I don't know what I would have done withou you. Trupanion you are the best!

After having found out that my precious Mini was diagnosed with a liver tumor, I really didn;t know what to do. I figured at 14 years old, Trupanion might not cover her surgery. However, after calling Trupanion and talking to Rachel in cusotmer care, she was very sympathetic to my situation, I found out within a few days that they indeed would cover her surgery! My decision to go ahead with the surgery was made easier just knowing that they would financially be by my side, otherwise I would have had to make a very different and unpleasant decision. Mini is now two weeks into her recovery, and we are happy and healthy. I don't know what I would have done withou you. Trupanion you are the best!

After researching pet insurance, I too went with Trupanion. Explanations were clear and I also liked the sliding deductible / fee calcualtor on the web site. My beautiful chocolate lab recently had exploratory surgery for a possible intestinal blockage. (Turns out, no blockage, but both the emerg and our regular vet felt surgery was a must!) Needless to say, this was a pricey procedure. Trupanion did everything they said they would and my reimbursement check arrived in a timely fashion. (I had the check within one month of his surgery date -- it would have been faster but we used regular mail for vet records instead of fax.) Plus, our local rep Scot M. followed up with me every step of the way keeping me infomred of my claim status. I have recommended Trupanion to every dog owner I know.

After researching pet insurance, I too went with Trupanion. Explanations were clear and I also liked the sliding deductible / fee calcualtor on the web site. My beautiful chocolate lab recently had exploratory surgery for a possible intestinal blockage. (Turns out, no blockage, but both the emerg and our regular vet felt surgery was a must!) Needless to say, this was a pricey procedure. Trupanion did everything they said they would and my reimbursement check arrived in a timely fashion. (I had the check within one month of his surgery date -- it would have been faster but we used regular mail for vet records instead of fax.) Plus, our local rep Scot M. followed up with me every step of the way keeping me infomred of my claim status. I have recommended Trupanion to every dog owner I know.

Received app. 1/2 of the claim amt.This included an overnight stay in hospital.

Our Black Russian Terrier had a serious immune response to vaccination and became severely anemic. Thank heavens for our insurance. The price is reasonable and the plan pays off quickly. I highly recommend the insurance plan.