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Our younger cat, Zoe, was 10 years old before we realized it. She had always been healthy (strickly indoors)and since she was 8 years younger than our other kitty, Minnie, we thought of her as a youngster. I began to notice that she was having difficulty eating and took her to our vet. A look in Zoe's mouth told Dr. Boyd that there were problems and that she would probably need to pull at least one tooth. After she sedated Zoe and had cleaned and checked her teeth, the vet called me to say that Zoe had a serious, painful, dental disease (resorbtive lesions) and would need to see a specialist. We were impressed with the specialist recommended by our regular vet and felt confident that her recommendation that Zoe have 8 more teeth pulled was valid. The bill for the combined vet/specialist surgeries was over $1000 and ASPCA Pet Insurance reimbursed about half that amount. We only wish we had taken the Pet Insurance on our older cat years ago before she had a spinal cord injury that has cost us thousands.

Exactly one year of having Trupanion was noticed that there would be a 267% increase in premium rate, which could be reduced by taking increased deductible. During the year they did pay claims timely as promised and were responsive. HOWEVER, personally feel victim of a bait-and-switch leaving me scrambling for another insurance carrier. Premium went from about $40/month to $109/month for similar coverage with an added California Amendatory Endorsement, which ironically changes that originally noted when policy was in conflict with Calif laws, the provisions are amended to conform to such statues -- amended to state that if the provisions of the contract conflict with Calif laws the policy is canceled (at least that is how it reads). Rating based on their unbelievable actuarial stats from year to year costs.

I had been searching around and came on the website for pet health insurance. Having a lab puppy they tend to get into things. I actually considered cancelling the insurance a month ago, but after Buddy's accident I submitted a claim to help cover the costs of the vet bill. They were very quick on the turn around and I received a great deal from the claim. I am so glad I did not cancel this. Buddy is a member of our family and he too will get hurt. This is a great way to help protect him. I highly recommend this Health Insurance for pets.

I currently have two dogs that have Petshealth Insurance, and will always keep them insured. My last two great dogs cost me thousands of dollars, so I purchased plans for the current two when they were pups. True, not every year I break even, but I know they are covered and that's a feeling. One ingested 42 earplugs a little over a year ago, and the reimbursement for that incident alone will pay for his insurance for more than two years. Information and payment has always been timely. One thing...it would be nice to have a "reasonable cost" chart. My vet is very careful with costs, and it always surprises me when I am only partially reimbursed, even for vaccines. Having the information before treatment would take out the surprise factor, and may help with disappoinment for all of your clients.

I purchased this insurance for our Akita who is now about 9 years old. Luckily, I did not need to use the insurance very often as this pet has been fairly healthy. However, the policy offers peace of mind when it comes to unexpected medical expenses. It makes it easier to concentrate on diagnosis and treatment options without the monetary concerns guiding the outcome. I would find it more convenient if I did not have to submit the paperwork on my own as I often neglect to do so after I return from the vet's office. Someone mentioned to me that it would be helpful to fill in the basic parts of the paperwork and use it as a template for future vet visits. I plan to do this in the future to enable more timely submission of expenses.

I recently went through a very difficult time with my young Chocolate Lab, Bella, who has been diagnosed with IBD. She had to have x-rays, ultrasound and exploratory surgery. I was worried about what would happen if the insurance would cover these expenses. No need to worry! They quickly processed the claim and reimbursed me for the expenses! I am happy to recommend Embrace Pet Insurance to all pet owners. It is such a small price to pay for peace of mind!

I purchased both the Dental and Wellness Programs - what I refer to as "riders" of my accident insurance. The dental portion is self-explanatory; the wellness covers the special diet food that my girl needs for her allergies, as well as anal gland expression and/or ear problems. Since she suffers from both in association with her allergies, I save slightly over $100. on each program per year. I can add that $200. (both programs) towards her other insurance concerns. I received the payment within a few weeks and the customer service was excellent. I only wish a dog's age would not be a consideration for illness insurance if they receive a clean bill of health by a certified veteranarian.

After losing my dear sweet Chenu our claims for her most recent Vet visits had been denied by the Pet Coverage. After calling Trupanion Customer Service initially the rep gave us the information that a re-consideration was absolutely possible. That alone was good news! They told us what type of records to get, where to send them and that we would be advised. I worked directly with Trupanion to have the xrays, scans and records sent to a specific Rep for review. Once they received the records the notified me right away. After an initial review of the records the rep determined a more detailed review should be done by one of their Vet's to truly provide us with the best possible use of our benefits. Immediately following the Vet review we were notified and provided a report of Trupanion's expert findings which resulted in reversal of the claim and payment being issued. Trupanion reps were kind, considerate, helpful and more than anything so understanding of how much Chenu meant to us, they were sympathetic and caring. Amazing Customer Service all around!!

After losing my dear sweet Chenu our claims for her most recent Vet visits had been denied by the Pet Coverage. After calling Trupanion Customer Service initially the rep gave us the information that a re-consideration was absolutely possible. That alone was good news! They told us what type of records to get, where to send them and that we would be advised. I worked directly with Trupanion to have the xrays, scans and records sent to a specific Rep for review. Once they received the records the notified me right away. After an initial review of the records the rep determined a more detailed review should be done by one of their Vet's to truly provide us with the best possible use of our benefits. Immediately following the Vet review we were notified and provided a report of Trupanion's expert findings which resulted in reversal of the claim and payment being issued. Trupanion reps were kind, considerate, helpful and more than anything so understanding of how much Chenu meant to us, they were sympathetic and caring. Amazing Customer Service all around!!

My American Staffordshire Terrier 7 was diagnosed with a torn ACL. I have had dogs since I was young and never had this type of problem. I bought the insurance for the what if. I never thought I would have to use it only after 2 months of coverage. My dog has been really healthy until this. I don't know what I would have done if I didn't have Healthy Paws Insurance. My dog is like my child. I want to be able to give her the best available health care. The claims have been handled so fast. There is also follow up. I never receive this type of treatment from my own health insurance company. Hats off to Healthy Paws. I can't thank them enough.