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I bought this insurance in Sept. My cat has been bitten by an unknown animal in his yard, gotten sick with the only sympton vomiting and at least one other visit to the vet, I forget what for. The claims were all accepted and paid in a timely manner. Questions I had were answered to my satisfaction. You never know when a pet will need extensive and expensive care, which is more likely they will, and this insurance can really pay off.

As easy and fast as the first one. I had my vet fax everything in and within days the money was deposited back in my account. The nice thing is that Embrace always follows up to make sure you received your deposit. My experience since October has been great!!

After an expensive illness with a beloved pet, I decided to try Embrace insurance. My first claims were for wellness exams, and I received my checks quite quickly after the company received my paperwork. The most difficult part was the health history for my older dog, and a lot of that was a delay from my vet's office. I filed my first claim, which was incomplete, but Embrace contacted my vet and got the missing paperwork. I was issued a check within two weeks. I have been very happy with the communication from the company and their response time.

We paid only for Vet Exams. All covered costs were paid promtly. Our total Vet bills were close to $6,000 and we were reimbursed for over 83% of our total claims; all within one week of the claim. It was reassuring to know we wouldn't have to borrow money before bills became due for Emergncy Care and Surgery. We considered this "catestrophic" insurance when we bought it; never thinking we would need it. Fortunately we had the insurance when our dog needed it -- Trupanion was there for us every step of the way. They made our ordeal bearable during a very stressful time. As a result of our experience, we have recommended Trupanion to all of our pet-loving friends.

We paid only for Vet Exams. All covered costs were paid promtly. Our total Vet bills were close to $6,000 and we were reimbursed for over 83% of our total claims; all within one week of the claim. It was reassuring to know we wouldn't have to borrow money before bills became due for Emergncy Care and Surgery. We considered this "catestrophic" insurance when we bought it; never thinking we would need it. Fortunately we had the insurance when our dog needed it -- Trupanion was there for us every step of the way. They made our ordeal bearable during a very stressful time. As a result of our experience, we have recommended Trupanion to all of our pet-loving friends.

My greyhound ran into a pole and tore open his knee. I had gotten insurance for the "just in case" of this very situation. I live in an area that's more expensive than "customary," so the original friend who recommended that I get pet insurance warned me that it would reimburse about half of vet charges in the area. The process to get reimbursed was easier than it is with my human healthcare FSA! I received my check about 2 weeks after I submitted the claim. The grand total at the vet was $480, and I ended up with a check for $240-- just what I expected, and still a financial relief.

Mugsy, my almost 9 year old boxer (boxer lifespan is 8-10 years) was drinking too much water, not eating much, lethargic for quite some time, groaned when he laid down (thought it was old age!). Took him for checkup and after blood test-high white cell count-and an MRI, vet found a very large mass, possibly cancer, wrapped around his spleen that had apparently been there for a long time! Poor guy! Emergency surgery the next day, vet was candid he may not survive the surgery. Not only did he survive, and with no cancer- it was an abcess, a few days after surgery he was thriving! Running around like a crazy puppy boxer chasing his 3 year old boxer sister, eating ravenously, and being lavish with his kisses. To make it even better, Embrace quickly reviewed the claim and paid immediately. What a relief! It's the reason I have had insurance since Mugsy was 2, just for something like this. Thank you, Embrace!!

After an overnight stay for our 2-yr old puppy in the ER, I contacted Healthy Paws about a vet bill for $1800. I sent the claim form in via fax and within hours I had already heard back from them saying how they were going to cover about $1600 of it (everything but the emergency fee). It's been a few days and I haven't received the check yet, but I've received other checks from them within a few days. Perhaps the best part was a follow-up email from them a few days later asking how my puppy was doing. A very unexpected personal touch, and very appreciated. Outstanding attention and care, great to work with. Highly recommend!

I love my pet insurance. They are quick to responding to me when I have questions. I love how I can just e-mail them and they e-mail right back. I just had a well apt. for my dog and I have the extra insurance for that and they sent the check right away. I was able to pay off the credit card with that check. It was great didn't have to break the bank. :o) I truly love this insurance and love how carring they are to me and my dog. Don't ever change.

Great pet health care. Head and shoulders above the company I tried in the past (VIP). Staff is responsive and helpful. Willing to listen when there is confusion about a claim.