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We adopted our dog at 18months, she was a mess as she wasn't treated kindly by the original pet owners. We went for years and only needed to submit a claim 3 times for minor cuts. I felt that they were reasonably prices and the annual premium increase was minimal and worth the potentials of what we would need it for. Recently our almost 7 year old, active and healthy seeming dog started changing. We experienced what felt like a nightmare when this past month we took her in for what we thought was digestion issues only to discover that she had an enlarged heart with arythmias that needed to be looked into further. While we waited she took a turn for the worst and was sent to the ER vet (PRICEY!) to see a cardiologist and was diagnosed with congestive heart failure and put on a multitude of medications and strict follow up regimen. The easiest part of this whole experience has been working with out insurance. They reimbursed us for 90% of our covered bills and medications to help make what we assume will be her last year of life a comfortable one (the things they don't cover is minimal and very transparent)! We probably submitted close to 10 claims this past month and there hasn't been a single one that we needed to negotiate coverage for not to mention each invoice was direct deposited into our bank account in less than 5 days! Healthy paws has has amazing customer service, efficient billing, reasonable pricing, and has been well worth the affordable monthly premium. If it wasn't for our insurance we wouldn't have been able to provide the care for her that she needed, especially in this financial climate of being a small business owner in the midst of Covid19.

My cat needed a full mouth extraction just a few months after the mandated waiting period when I first signed her up. I fully expected a lot of hassles when I filed my claim but they paid everything they said they would (minus the $583.89 deductible and the co-pay). It was a $3,339.22 surgery and they paid $2,755.33 of it. I'm glad I signed her up. Caveat: They did require proof of a dental exam within the previous year that didn't diagnose periodontal disease or stomatitis, to rule out pre-existing conditions. I had done that so I was fine, but they do have that requirement.

Healthy Paws has been a wonderful insurance provider for our pet family. We are huge animal lovers and currently have two Boston Terriers and we also had two other Boston Terriers that have since passed away in 2016 and 2018. Every single one of our dogs has been covered by Healthy Paws insurance and the claims process is incredibly easy and super smooth, unlike any other insurance company that I've ever dealt with. In addition, they have covered some expensive procedures on our pets and always allow us to make the right health decisions for our pets based only on their quality of life and not the cost of health care. I cannot express how much this alone has meant to us. The staff at Healthy Paws truly cares about your pets as they will even follow up with you on how they are doing. I really wish I would have known about them sooner so that we could have had insurance on our other two from their date of adoption. Moving forward, we will always be insuring our pets with Healthy Paws starting on the day we adopt them. We have introduced four of our friends to Healthy Paws as well through the years and they have all had similar experiences. Thank you so much Healthy Paws for being such an amazing company!

The two times I have had a claim have gone very smooth. I wish each mass wasn¡¦t a separate deductible ??

My claims have been answered very quickly and no compaints about the coverage. Coverage is as advertised. It is a must for any pet owner. Just like humans, vet bills can be really high if something unexpected happens. Worth every penny.

I like 24/7 customer service. My vet bills Trupanion for our pets.

Healthy Paws Pet Insurance is the best. We have had this insurance for our dog for a few years now and it has paid off for sure! He's had a rough year with orthopedic issues and they have come through to help us. It's super easy to make a claim and they are so fast! You typically get a check within a week. In addition, after our Buddy had surgery they actually reached out to us to check on him! The customer service is the best. I never write these reviews but these guys deserve it. Several of my friends have signed up too and are very happy. We will be lifelong customers!!!

I got my dog on Embrace's policy when she was really young, I think less than 1 yr old. So, there weren't too many things wrong with her, and I expected a policy with zero pre-existing conditions! However, like literally a day or two before I finalized the policy purchase, she fractured her tooth, and that went on the policy as a pre-existing condition. She also got noted to have two temp ones and another permanent one, which I was surprised to see, but ultimately did not appeal because I felt they were reasonable (two temps were for ear infection and diarrhea, perm was adverse reaction to sutures, she had some issues following her spay). If you're reading this and considering pet insurance, the best advice I can give you is to get it as early as possible. Despite her few pre-existing conditions, my dog ended up needed ACL surgery on her right rear knee, costing us $4000. Embrace covered it all, and we only ended up paying about $400 out of pocket since we used up most of her deductible by then. This one surgery "paid" for like 3 years of coverage from Embrace, and we're expecting that she'll likely need surgery again for her other knee. Be mindful that the longer you wait, the most issues may pop up and end up on the pre-existing conditions list, and after that those issues, and I think issues that stem from those conditions, will never be covered again. The only thing I wish I did different was get Embrace for my dog as soon as I got her at 8 weeks.

Best coverage over any other pet insurance company

It was smooth and easy