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I have been trying to decide between Petplan and Healthy Paws for my Papillon puppy. Both have comparable coverage, with PP being slightly better because it pays for more dental conditions and non-routine vet exam fees. Both also have generally good reputations. As far as rates, it gets tricky. Initial rates for the puppy were $37 for PP and $46 for HP. I almost bought PP but I thought I'd take a look at what the rates might be as the dog got older. It ends up that at 3 years, the current PP rate is $54, HP is $61 (90% and $250 deductible). But at 5 years, PP goes up to $84, HP is only $75. Then at 7 years, PP is $106, HP is $78 (both plans reduced to 80% coverage). At 10 years, PP is $92, HP is $63 (both plans reduced to 60%/$750 deductible). Bottom line is that PP was cheaper for the first 3-4 years, but then HP became cheaper. I've decided to go with HP, but everyone should make their own decision. I'm only giving folks something to consider.

I have had Healthy Paws coverage for three consecutive Jack Russell Terriers. My two-year-old was just diagnosed with Patella Luxation and would not use her back right leg. Major surgery was required including insertion of pins into her knee. This was quite upsetting but the best part was Healthy Paws and their quick response and coverage. No questions asked, they turned around the claim essentially overnight and issued a check for my full costs, minus my chosen deductible. They also emailed to follow up, asking about my puppy's well-being. This is not the first time they have come through in very short order, with full reimbursement under my policy. I would, and do, recommend them without qualification!

My family purchased an 8 week old English Mastiff. His name is Mister Bones. How could you not just fall in love with a dog named, "Mister Bones"? Anyway, because my research found these dogs have the potential varies health issues, I purchased a policy. Additionally, I opted to have my vet fill out the additional paperwork so my waiting period, for specific maladies, would be reduced to 2 weeks (I found this only required the vet to perform a more extensive physical exam and didn't appear to be much of a bother to the vet). Literally, thank God we had pet insurance! Being a giant breed dog and understanding how hard puppies love to play, we very quickly began to reap the benefits of the policy. But, the real benefit came when we realized my dog had elbow dysplasia and required surgery, as he had a fractured coronoid process. After the X-rays, CAT scan, surgery, meds, and physical therapy that followed, we were comforted to know that our financial obligation would be severely offset by our policy. If we did not have this policy and were faced with just the surgery related bills, which were in excess of $4700, the decision to perform surgery and to do so at a top rate facility in our area would have required us to rearrange household finances to figure a way to mitigate such a large unexpected expense. The claims process could not have been easier. Each claim took, on average, approximately 5 days from the time I placed my claim until the time the funds were placed in my account. Each time I have called PetsBest, I have been treated with the utmost politeness and professionalism. No question was to difficult and every concern was addressed. While I would agree the rates may be a little higher than some other polices one may obtain, I think it is well worth the ease of mind and quality of service. My only disappointment is the substantial increase in my policy. Although I am told it had nothing to do with my claim history, I can't help but wonder, as I took my policy limits right up to the yearly maximum. With this in mind, we will still pay the premium because if faced with another medical emergency or unexpected illness, we would rather be safe than sorry..., and broke! Because I believe my increase was somewhat high, I have downgraded my overall rating to 9. Had there been a modest increase in my policy, PetsBest would have received a 10. Overall, I am most impressed and satisfied with the service on my policy.

I've had Embrace since I got my rescue dogs almost 6 years ago and I'm so glad I did, because one especially has really needed insurance - two bouts of cancer and almost died from pancreatitis. Embrace is pretty affordable, has reimbursed me for a lot of her care, and they are really friendly and helpful to engage with - good online systems and responsive people when you need them.

We joined Healthy Paws last summer shortly after getting our new English Mastiff puppy. Like many, I've become a little jaded over the years with insurance companies pointing to the small print for reasons to not support a claim. Our experience with Healthy Paws has been nothing short of outstanding and I have been so relieved not only at the turn around time, but the clarity of the program. I want to take thus opportunity to thank the folks at Healthy Paws who have been incredibly responsive and kind with our claims and calls.

We never had pet insurance before, Embrace staff helped us all the way through the process graciously! Everyone we've been in contact with has been very understanding and extremely compassionate. The claims are handled fast and with the direct deposit - WOW! My new girls are rescues and were quite neglected and very sick - now they're happy, healthy little monsters! THANK YOU!!!!!!

I researched several companies before choosing Embrace so I feel confident that I can sincerely claim this to be the best company out there. Their coverage is straightforward, comprehensive, customizable, and efficient. I am new to owning a pet but feel so comforted knowing that my little guy will be well taken care of and it won't have to cost me a fortune when an event occurs. The premium I pay was equal to a small insurance plan I had for myself that did not have near the same type of benefits. I think it's funny when we can take better care of our animals than we can ourselves. I am a very happy and satisfied customer. The claim process is quick and easy. This has truly been a amazingly positive experience for me and my pet.

Embrace was easy to deal with and kept me informed of the claims processing. I highly recommend them to other pet owners... reduces the stress when you are already so worried about the furry baby.

I've never been disappointed with my interactions. The Embrace staff are always helpful, kind, and compassionate. The policy itself gives me peace of mind that I will never have to skimp on care should my dog need it. Maisy is Papillon rescue, and I don't what she endured the first 3 years of her life.

I've had Embrace insurance on my pup Loki for a year, and this was my first wellness claim. I called and every single person I talked to (phone or email) was beyond professional and friendly. I'm so, so happy with the people in this company and they paid Loki's Vet Claim in less than 24 hours!