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I have been a client of Healthy Paws since 2011, and I have never once regretted my decision to go 1) get pet insurance for my dog and 2) to use Healthy Paws for coverage. I did extensive research before choosing them, and I've never thought twice about my decision. They have always been quick to respond claims and I've never had any problems or questions asked about if something qualifies to be covered. They also offer to review your pet's vet records within 30 days and give you a letter telling you what they will not cover (pre-existing conditions). Recently, my dog suffered from persistent vomiting that did not go away until after many tests and treatments. I took him to 3 different vets and he was checked and tested for everything you can think of when your dog won't stop throwing up. As it turns out, the third vet diagnosed him with Inflammatory Bowel Disease brought on by a food allergy. From all these trips to the vet, I filed 7 claims related to this one incident, and Health Paws processed the claims within hours of receiving them from the vet's office. I also had my checks within a week of the claim being processed. Healthy Paws is an all-around great company and I highly recommend them to anyone who will listen.

I cannot imagine ever having to compare pet insurance policies again. I couldn't be happier with my choice of Embrace when our Cav King Chas Spaniel, Chloe, was just a puppy. She has had some health problems over the years and recently needed abdominal surgery. Every single time we have submitted a pre-authorization request or a claim for services, Embrace has responded quickly and payment of claims has been fast. This is a wonderful service - a top-notch business. If you are shopping for a pet healthcare policy, you have found it!

Over the last several years we've had three senior adopted beagles. Sadly, our first, Lulu passed on after a cancer diagnosis that we opted not to treat aggressively as she was terminal. She spent her last weeks at home under the watchful eye of our veterinarian. ASPCA insurance covered a fair amount of the diagnostic and end of life costs. Our other beagle, Lili is also a senior citizen and suddenly last year could no longer hold up her head. After a week of daily vet visits she was found to have a slipped disc and within an hour of being administered steroids she was back to her old self! Once again, insurance covered a good share of those costs. Then, a couple of months ago our third beagle, Zoe suddenly stopped eating. She ended up in the hospital for a week and had to have her gall bladder removed. ASPCA insurance paid the max per single incident for that event.For my husband and me let insurance makes sense. It is not cheap, but it has proven worthwhile for each of our three dogs.

Like all dogs, my Yorkie has had a few unhappy visits to the vet, and I never worry or wonder whether my insurance is sufficient. Healthy Paws is amazing to work with. When I submit a claim it is typically processed in a day or two, and the coverage is phenomenal (I have 90%-worth it). They also email me to ask how my dog is doing, and I love that personal touch!I did my research before signing up with Healthy Paws, and their coverage is by far the best. I recommend Healthy Paws to all of my friends and family. Worth EVERY Penny!!

I have a six year old dachshund who has been insured by Embrace since he was a puppy. He was a very healthy little guy, with zero insurance claims for the first four years of his life. So healthy, in fact, that I briefly cancelled his Embrace insurance policy because I thought it was unnecessary. A month after cancelling, my cautious side told me to reinsure him and it was the best decision I've ever made. Ten months after reinsuring him, Brody became paralyzed, diagnosed with IVDD. Two surgeries and a week long hospital stay later, his bill was close to $9,000. Embrace came through 100% and covered his surgery/stay to the full 90% called for under his plan. Brody was up and running again in no time! Unfortunately, Brody had a reoccurrence of IVDD 14 months after the first and again required surgery and a hospital stay ($7,000). That, and a few other mishaps the same year (snake bite, infection), brought his 2013 vet bills to almost $9,000 again. But, Embrace had us covered, and again provided a prompt refund of 90% of his vet costs. Pet insurance isn't cheap. But wow, it's a whole lot cheaper than $18,000 over two years in vet bills. No cost would be too much to spend on my little man, but Embrace has enabled me to give him the best care possible without breaking the bank.

We switched vets in the fall and our new Vet recommended a 30 day trial with Trupanion after the 30 days I thought I would keep it for awhile longer. I'm glad I did…our 12 year old West Highland Terrier tore his ACL about a month after we extended the trail. We had some initial issues because they, Trupanion, did not have his complete medical records from 4 other Vets and that was a little scary because we new that this was a new issue and not an existing issue and were being told that they couldn't let us know if it was covered until the records were reviewed. My recommendation is to get ALL your records to them when you sign up and update as you go along…then if an issue comes about they will have all of your pets records on file and should be able to answer ALL questions when you submit the claim ALSO look at getting PRE-APPROVED…that would have been a huge help. We had about 3 to 4 days before the surgery and had we started the pre-approval the scariness would not have been there. Would I recommend this insurance...YES!!! We have never had pet insurance BUT with having 4 dogs at various ages I believe we will be continuing our policies with Trupanion for years to come.

We switched vets in the fall and our new Vet recommended a 30 day trial with Trupanion after the 30 days I thought I would keep it for awhile longer. I'm glad I did…our 12 year old West Highland Terrier tore his ACL about a month after we extended the trail. We had some initial issues because they, Trupanion, did not have his complete medical records from 4 other Vets and that was a little scary because we new that this was a new issue and not an existing issue and were being told that they couldn't let us know if it was covered until the records were reviewed. My recommendation is to get ALL your records to them when you sign up and update as you go along…then if an issue comes about they will have all of your pets records on file and should be able to answer ALL questions when you submit the claim ALSO look at getting PRE-APPROVED…that would have been a huge help. We had about 3 to 4 days before the surgery and had we started the pre-approval the scariness would not have been there. Would I recommend this insurance...YES!!! We have never had pet insurance BUT with having 4 dogs at various ages I believe we will be continuing our policies with Trupanion for years to come.

I submitted my first claim with Embrace a couple weeks ago; I have to say I am so impressed! At first I wasn't sure on how fast my claim would be processed,but not only I am impressed with Embrace I am actually looking forward to my next claim. My total bill was $256.00 and my refund was $244.00, received within a week. I also have the option of direct deposit now, which will make the claim process even faster. Embrace has followed up with me before processing the claim, during the processing of the claim and after. AMAZING!!! Excellent customer service. I have just referred Embrace to a few friends and I will continue to do it. Very pleased!!!!

We got Trupanion when we got a puppy almost 4 years ago. They have been really great with reimbursement. The premium is now about 50 dollars a month but that includes a special rider for hip dysplasia. Our dog is very playful and curious so she tends to find trouble and on top of that she is sensitive to many products. To make a long story short she was been to the vet many vet times. Each time we have submitted a claim and got 90percent reimbursement. They are fast and friendly. I highly recommend them to folks who have dogs like ours.

We got Trupanion when we got a puppy almost 4 years ago. They have been really great with reimbursement. The premium is now about 50 dollars a month but that includes a special rider for hip dysplasia. Our dog is very playful and curious so she tends to find trouble and on top of that she is sensitive to many products. To make a long story short she was been to the vet many vet times. Each time we have submitted a claim and got 90percent reimbursement. They are fast and friendly. I highly recommend them to folks who have dogs like ours.