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I have two cavalier king charles spaniels. If you are not familiar with the breed, there are several specific health concerns that are associated with them. Because I wanted to make sure that my animals were able to receive the best care possible, I decided to invest in pet insurance for them. I did extensive research on all of the companies, and ultimately ended up with Healthy Paws Pet Insurance for several reasons: 1. No Anual cap on claims: this was very important to check, as with your premiums, some companies have caps at around 1,500.00 a year. This made no sense to me, given the comparison of premiums and the coverage.healthy paws has no annual cap, the only company I could find that offered no cap. 2. Pre-existing condition coverage: again, this was a fine print obsession for me. My older cavalier had a luxating platella in his right knee prior to obtaining coverage. This is very common, so I wanted to make sure that any insurance company I went with would cover a similar injury to the other leg. In the context of pet insurance, this is apparently referred to as a "bilateral condition". Healthy Paws was the ONLY insurance company who had very minor restrictions on Bilateral pre-existing conditions, only ACL injuries, which seemed very univesal to all companies. 3.Reimbursement values: this was the best around, I ended up selecting the 90% reimbursement, with a slightly higher premium. 4. Adjustable premiums: this allowed a lot of freedom in deciding h

I researched many insurance companies and decided on Embrace for their coverage. Signing up was easy. Coverages can be tailored made for you needs. I took my 7 week Great Dane pup to her first vet visit the day after I picked her up from the breeder. The insurance forms were simple to use and the staff was very helpful in walking me through the steps this first time. My first paid claimed was for the Wellness plan have been overjoyed with the payment and EOB. I am a very satisfied customer at this time.

I've had Embrace insurance for my beagle mix for a little under a year. I got the renewal quote in the mail and was surprised by the amount it went up, going up from $565 to $640. I called to ask why and the representative that Embrace will raise my rates every year by 10% because my dog is over 5 years old. If she lives a long time and they increase rates by 10% every year, this insurance is going to be very expensive. I did a lot of research before choosing Embrace, and I have been very happy with their response time to our claims, and they have always reimbursed my 80%. But this 10% percent increase every year just because my dog is now 6 years old is crazy. I would be more understanding if my dog was over 10 years old, but everyone calls her a puppy and yet I'm paying elderly dog rates. I'm no longer recommending Embrace to my friends and cautioning them that even the best companies will increase your rate $75 for no reason. I haven't decided whether to renew or not this year or switch to a different company.

My four kitties are covered with Embrace for both wellness and sickness/injury. Thankfully, I have not needed to make a sickness claim as of yet, but if the quick payout of their wellness claims are any indication, I know we've joined up with the RIGHT insurance company! And customer service has been quick with help AND friendliness as well! Only praise for Embrace so far!

Very good on reimbursements and follow-ups, once submitted. They did lose some paperwork I had mailed, but when I re-submitted via email, it was quickly processed. So always keep copies if you mail in claims!But they are very nice and helpful and I find service quick! Had 3 claims to submit.

After several years with a different insurance and so many hassles, I switched to Embrace. I am so glad I did and wish I had done it sooner. I so pleased with their responsiveness, helpfulness, and always keeping me informed. The coverage is better and the cost is cheaper! Best switch I ever made.

Great work! Fast turn around! Very diligent company.

Quick Claim Service! Got a claim into my account in 24 hours. They all care about your pets and you as a part of a family. It isn't about the money to Embrace its about caring for animals. I would strongly recommend them to anyone who owns a pet. Cover them with Embrace and you can put your mind at ease. I lost one bet after a lot of money spent and didn't have good insurance. Now with Cloudy my cat I rest easy knowing she is covered by Embrace.

My cat needed one of his claws removed, which required a brief surgery. I faxed my completed claim form (with documentation) around 9:30am. By 3:00pm that same day, I received an EOB explaining what was covered. It was exactly as I expected. The office visit was not covered, the company is very straight forward about this, and I had my annual $50 deductible. Everything else was covered at 90%, and I received my check several days later. On top of this, this morning I received an email from the company checking in to see how my cat was doing. I responded, and the company got right back to me. Also, it was a human being, not simply a form email. I was incredibly pleased with the prompt addressing of my claim as well as the follow-up inquiry. This is the second claim I have filed within a few years. The first time I had some questions about the claim, and the company responded right away and explained everything to me. I have been very pleased with their customer service, and would highly recommend this company to pet owners.

I am very glad I choose Trupanion. It allowed me to perform a neurology consultation and MRI on my beloved pet when she had a seizure. Without it, it would have been difficult to afford the care she needed. 90% of the cost was refunded and only took 1 week.