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I have had Trupanion for over a year, and last month my cat was diagnosed with cancer. Trupanion has denied all my claims! My vet even wrote a letter of appeal to Trupanion stating that my cat has no previous history of cancer, and they still denied the claim. In fact a Trupanion representative even told me on the phone (and this is verbatim what she said), "I'm sorry but we can't help everyone." My suggestion is to do more research about this company, and you will find more reviews of people who have had the same problem. I feel like the whole thing was a scam. I never missed any payments (the payments came directly out of my bank account to them), but when I needed coverage for an illness that had no previous history, and no reason to be denied... they said no. Beware

so far it is very good service, fast claim handling, keep their promises.

Had a lot of difficulty getting VPI to reimburse for anything, even with two different illnesses in my dog. Friend and veterinarian suggested Embrace. Fast, helpful, and courteous customer service. Quick claim reimbursement turn around with option for direct deposit. Very happy with Embrace.

My kitty was in a bad condition on Christmas Day (2013) and needed major surgery for bladder stones. Some people laugh at me when I tell them that I have pet insurance, but I am the one that is laughing last! I was with another pet insurance company prior to joining Embrace and let me just say that Embrace is FAR better. There are different tiers you can choose, but I chose the higher one with more coverage. Sure I pay more a month, but it worth it in the end, especially for surgeries, unexpected illness, or overall wellness care. His surgery cost over $5,000. Embraced reimbursed me for most of it!!!!!!!!!! Also my claims turn-a-round was fast. If you are currently shopping for pet insurance, I highly recommend Embrace!

We purchased Embrace for our 2 Irish Wolfhounds, and immediately had our yearly Wellness done. Embrace covered everything they said they would, kept me updated on the status of the claim and I already have the reimbursement check!

Everyone I have dealt with has been extremely pleasant and helpful. I never expected as many health issues with my puppy initially but they have made each experience calm and they truly care. My veterinarian has also said you are the best at talking with and dealing with that they have come across so far and we live in the sticks so it's been very easy.

Everyone I have dealt with has been extremely pleasant and helpful. I never expected as many health issues with my puppy initially but they have made each experience calm and they truly care. My veterinarian has also said you are the best at talking with and dealing with that they have come across so far and we live in the sticks so it's been very easy.

There are many details I could give you about the specific illnesses my puppies have had and how much fear comes over you when they are sick you just don't know what's wrong. But the bottom line is, that because I have Healthy Paws, I don't need to worry that I can't afford treatment. I would do anything for my dogs but one of the best things I have done for them is get them covered so that I make the right medical decisions for them when they are sick instead of a financial ones. Healthy paws is easy to use, and has approved my claims within hours of me submitting the paperwork. They have paid according to my plan and they even followed up to see how my dog was feeling after he was admitted to the hospital for a few days. I wish my medical insurance was as responsive as they are. I am one happy customer and because of Healthy Paws, I feel that my puppies are safer.

Very Caring staff!!! Quick to respond to your needs. Had reimbursement in a few days. Would highly recommemd.

Very Caring staff!!! Quick to respond to your needs. Had reimbursement in a few days. Would highly recommemd.