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Our policies have already saved us over a thousand dollars. From a routine dental turning into a major extraction (extra/compacted teeth) to tests and a specialist visit for a puzzling internal issue. I do wish some more routine preventative care was covered--such as dental cleanings and while I understand that office exams for a wellness visit would be exempt, I think that a specialist visit should be covered. Overall however, I am very pleased with Trupanion. The claim process is simple and turn around is very fast. I also like that you have the option to set your own deductible--and can change it at any time.

We've had Healthy Paws for two years now--since we adopted our then-8, now 10-year-old pug, Murphy. They have helped us with some major unexpected events a few times--the most recent being a surgery to remove two mast cell tumors. This was stressful enough--devastating, actually. Having our senior pug go through anesthesia and surgery and waiting for test results to let us know if the cells were of an aggressive nature or not was absolutely horrible. But what wasn't horrible was knowing that, no matter what happened, Healthy Paws would be there to help out. The last thing we wanted to be thinking about was money and we were going to do whatever was best for Murphy, no matter what, but vet bills add up really fast and it's stressful to have to start driving up the credit card. But we didn't need to do that. In fact, Healthy Paws approved our claim within 24 hours, and the check came just a couple days later. They also followed up personally a couple times to see how Murphy was recovering. This has been our experience with every claim. Our first claim did hit a few snags, but when we, our vet, and Healthy Paws customer service all communicated together about it, everything turned out just fine! And because of that, I'm all the more impressed with them. Their customer service is really great--they seem to really care about your pet and they want to help you as quickly as possible. I've recommended them highly to friends and family, and at least a couple of them have or are taking me up on it. We will definitely never drop it. (And for the record, Murphy's doing great!)

I cannot say enough about Healthy Paws. I have had many (fifteen) claims in the past 13 months with my puppy. Healthy Paws has great customer service, rapid processing, and great coverage with no yearly maximum or lifetime max. I researched several different pet insurances, finding Healthy Paws to have the best coverage. My best advise is to get insurance early, before their is an issue, and you have a predetermined condition.

My dog was diagnosed with cancer. We went to the OSU Vet. School for diagnositics and a treatment plan. The total estimated amount of Treatment would exceed $5000. I submitted a Preauthorization claim to Embrace. It took about 2-3 weeks, but they approved the Treatment. If I decide to proceed with Treatment, I am assured Embrace will cover the claim. I appreciate knowing The amount of reimbursement. I use to have VPI, they never would preauthorize, so I never knew what amount of reimbursement I would get. I am happy I changed to Embrace.

My 12 year old kitty Boston was hospitalized with pancreatitis in May 2012($800), and shortly afterwards had biopsy to confirm Inflammatory Bowel Disease ($1500). With my $300 deductible met, Trupanion quickly paid 90% of those costs. They have continued to pay 90% of all medicines, x-rays, ultrasounds, surgeries, blood tests related to IBD. I've been able to spend literally thousands for Boston's care relating to IBD in the last 2+ years, because Trupanion is continuing to do what they said they would: pay 90% for related illness for the rest of his life. Thank heavens for Trupanion; because of them I still have my beautiful boy kitty.

My 12 year old kitty Boston was hospitalized with pancreatitis in May 2012($800), and shortly afterwards had biopsy to confirm Inflammatory Bowel Disease ($1500). With my $300 deductible met, Trupanion quickly paid 90% of those costs. They have continued to pay 90% of all medicines, x-rays, ultrasounds, surgeries, blood tests related to IBD. I've been able to spend literally thousands for Boston's care relating to IBD in the last 2+ years, because Trupanion is continuing to do what they said they would: pay 90% for related illness for the rest of his life. Thank heavens for Trupanion; because of them I still have my beautiful boy kitty.

I've had excellent service so far with Healthy Paws pet insurance! Making sure I had pet insurance since day one has been one of the smartest decisions I have ever made as a pet owner. Zoë got very sick with a respiratory infection which meant lots of trips to the vet and healthy paws were extremely fast with filing all my claims and mailing reimbursement checks back to me. They also have an app which makes things so much quicker! Every time I tell other people about healthy paws and their benefits they are amazed and consider switching because their current pet insurance just doesn't measure up! If you are someone who is considering getting pet insurance I HIGHLY recommend Healthy Paws!

We signed up with Healthy Paws when our Newfoundland pup was about 5 months old. It was without a doubt the wisest financial decision I have ever made. Unfortunately, we have relied on them heavily in her first couple of years. They have paid 90% of every claim we have submitted, including treatment for giardia, ear/eye infections, removal of a calcerous growth under her tongue, tick paralysis, and most recently, TWO KNEE SURGERIES, because she had torn both of her cruciate ligaments. On top of all that, they are even covering physical therapy to help her recover from the knee surgeries. Here are some of the reasons I love dealing with Healthy Paws: 1.) When I call, a real person answers the phone - they understand my question and provide a clear answer. It’s not a “call center” experience; they actually care about animals, are very familiar with their policy, and are eager to help. 2.) The claim processing is VERY FAST and painless - usually less than a week between the time of treatment and when I receive the reimbursement check. 3.) They have never denied coverage. Their website is very straightforward, and they clearly lay out everything that they cover, including alternative treatment. Before we scheduled our dog's knee surgeries, I called HP a few times just to make sure they would actually cover both of them, since it sounded too good to be true. They promised they would, and they quickly came through for us. 4.) There is no incident limit, nor is there a lifetime limit. Some of these issues can add up extremely quickly, and it’s so reassuring to know that HP will be there for us. The only thing I would do differently next time is get the insurance BEFORE bringing the animal home. We had an incident come up during the waiting period and they were not able to cover it, which was understandable. I cannot say enough good things about Healthy Paws. Our dog is our child and we will do anything to help her live as well as possible . . . but without HP, we would not have been able to afford to fix her cruciate ligaments, and she would have had to live with pain and have extreme difficulty getting around for the rest of her life. We are, and will be, forever grateful to this wonderful company for helping us care for our sweet dog.

We have never had pet insurance in our 35 year marriage, until 3 months ago after adopting another kitten. We have had a total of 4 cats in 35 years and until our third kitten, all had been healthy and lived 14 plus years. But last December we adopted our little angel Bruce Wayne. We had just lost another angel "Sammy" to a stroke at 17 years old. After only a week I knew I was ready and we got Bruce. He was a special needs kitten as they told us. He had been to 2 shelters and had been treated for everything imaginable. At the time of adoption he was in treatment for Ringworm, but 10 days later we found out that he had not been contagious at the time of adoption...yay! But that exhilaration was short lived. He was in the vet for his well kitten check-up and the doctor heard a heart murmur, then noticed his fur on his ears and belly were sparse. She decided not to worry, as he had just finished 6 weeks of oral meds and shampoos for the fungus. He also had been sneezing and had the occasional cough. The cough did concern her, as he was a short hair and didn't shed. After many visits over the weeks and months that followed, he had been diagnosed with Asthma and allergies to environmental things. He was happy and energetic all the while, so I thought we were going to be okay! He had been put on a gel form of prednisone for the itching due to his allergies, and his fur came back in thick on his belly...not so much on his ears. He had been on the ear gel for a couple months, when his doctor referred us to a Dermatologist. He decided to put him on a lower dose of a oral steroid and hopefully to get him on an injectable soon after. Within a 2 week period, I noticed some changes in Bruce. He began eating less and sleeping in unusual places. He also began sitting in what they call the "Pain Pose". I took him into the vet and she was doing her usual exam, when he cried at the slight touch of his belly. She ordered an X-ray to see if possibly there was a blockage. In a 20 min time frame our world was turned upside down! Bruce likely had FIP, it's not cure able and causes fluid build up in the abdomen. There are two forms of the disease, wet and dry....he had both! We ran every conceivable test to be sure as we could that this was what it was. Three days later and multiple emergency trips to our vet, we let him go. We had our vet perform an exploratory surgery, in one last hope that he had something they couldn't see.

We have never had pet insurance in our 35 year marriage, until 3 months ago after adopting another kitten. We have had a total of 4 cats in 35 years and until our third kitten, all had been healthy and lived 14 plus years. But last December we adopted our little angel Bruce Wayne. We had just lost another angel "Sammy" to a stroke at 17 years old. After only a week I knew I was ready and we got Bruce. He was a special needs kitten as they told us. He had been to 2 shelters and had been treated for everything imaginable. At the time of adoption he was in treatment for Ringworm, but 10 days later we found out that he had not been contagious at the time of adoption...yay! But that exhilaration was short lived. He was in the vet for his well kitten check-up and the doctor heard a heart murmur, then noticed his fur on his ears and belly were sparse. She decided not to worry, as he had just finished 6 weeks of oral meds and shampoos for the fungus. He also had been sneezing and had the occasional cough. The cough did concern her, as he was a short hair and didn't shed. After many visits over the weeks and months that followed, he had been diagnosed with Asthma and allergies to environmental things. He was happy and energetic all the while, so I thought we were going to be okay! He had been put on a gel form of prednisone for the itching due to his allergies, and his fur came back in thick on his belly...not so much on his ears. He had been on the ear gel for a couple months, when his doctor referred us to a Dermatologist. He decided to put him on a lower dose of a oral steroid and hopefully to get him on an injectable soon after. Within a 2 week period, I noticed some changes in Bruce. He began eating less and sleeping in unusual places. He also began sitting in what they call the "Pain Pose". I took him into the vet and she was doing her usual exam, when he cried at the slight touch of his belly. She ordered an X-ray to see if possibly there was a blockage. In a 20 min time frame our world was turned upside down! Bruce likely had FIP, it's not cure able and causes fluid build up in the abdomen. There are two forms of the disease, wet and dry....he had both! We ran every conceivable test to be sure as we could that this was what it was. Three days later and multiple emergency trips to our vet, we let him go. We had our vet perform an exploratory surgery, in one last hope that he had something they couldn't see.