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As a breeder I have always recommended health insurance to all our puppy buyers. Now I specifically tell them to choose Healthy Paws. You have been professional, timely and helpful. I appreciated the follow up email asking how my dog was healing as well.

First let me state we are keeping Embrace, but they asked for the review so here it is. Our dog has a chronic gastric condition typical of the breed. Our Vet decided that it was medically necessary to have his stomach tacked (gastoplexey) to prevent torsion from bloat, usually a fatal condition. We submitted a pre-certification to Embrace which was approved, had the surgery and submitted the claim---WHICH WAS DENIED! How do you deny a pre-authorized claim???? After the requisite indignation on our part, to their credit they honored their pre-approval and paid the claim. Embrace never did inform us what the issue was---did the pre-auth person screw up or did the claims agent? The way their note to us saying the'll honor the claim was written seemed to indicate that it should not have been approved to begin with since it was "preventative" even though the Vet said it was medically necessary to potentially prevent his death from bloat. So in the end it worked out but the stress we were put through, for the albeit only for a day, worrying about the vet bill was upsetting. I will give them high kudos for honoring their pre-certification, but they should have seen it internally and we should never have been the wiser--the actual submitted claim should just have been paid. Otherwise, we really like the comfort of having pet insurance on our dearly loved pet. P.S.: They do take a long time to process claims, and some glitch in their email notification system did't notify us of the claim status. I logged in wondering what was taking to long and found the 16+ days old denial--so this added to the stress because appeals have to be filed within 14 days. Epic fail administratively.

The great thing about having pet insurance is you can base treatment decisions on condition, rather than cost. Every year that we have had insurance we have "broken even", and held onto it for "one day". Lilo has had claims over the years, small and medium, and they usually add up to approx the same amount as premiums each year. Until this year. Lilo just came home from PAWS in Moscow after having an exploratory spleen/mass removal. This was after weeks of diagnostics, some at WSU (cha-ching). Half an hour after bringing her home, my husband had submitted her claim using his phone's camera. Our reimbursements always come within a couple of days; we live in WA state so they only take a day to get here in the mail. Lilo's prognosis is excellent, and her insurance has already "paid" for itself x3 this winter. I tell all of my friends about Healthy Paws.

I have been preaching to all my family and friends about the value of pet insurance and ALWAYS recommend Healthy Paws because of my experiences with them. Sadly, we've had to use it more than once but having insurance, especially Healthy Paws, always takes the worry away.

The company at first did not accept our claim because on the initial visit with the vet when we first adopted him at 6 months of age, his records noted 'pruritus'. Several months later, after we had conducted a food trial to rule out food as source of his problem, the vet contacted the company and our claim was reconsidered. Joey was diagnosed with environmental allergies at 14 months of age and is now undergoing desensitization treatment. Once our claim was reviewed and approved, the response was swift. So I would not hesitate to recommend the company to someone.

The company at first did not accept our claim because on the initial visit with the vet when we first adopted him at 6 months of age, his records noted 'pruritus'. Several months later, after we had conducted a food trial to rule out food as source of his problem, the vet contacted the company and our claim was reconsidered. Joey was diagnosed with environmental allergies at 14 months of age and is now undergoing desensitization treatment. Once our claim was reviewed and approved, the response was swift. So I would not hesitate to recommend the company to someone.

If you have ever had a puppy, you know that first year can be an expensive one! Our little Berner girl had so many illnesses that first year. Luckily, I had Trupanion from before I even brought her home. If I had a question, I could email or pick up the phone. The phone staff is incredibly friendly and helpful... no matter how many times I call! They will walk you through anything. If I have a claim, I can email the form in, or mail it, or... best of all, my vet will file it for me! And it never takes long to get a notice that the check is in the mail. I love the flexibility of choosing my own deductible. I have a $0 deductible because you never know when an emergency will occur and I never want to be in a position when I have to decide I can't afford to treat my dog! Sometimes vet bills run into the thousands of dollars... why take the chance? I would rather pay a few dollars more a month. I will say that my rates did go up for year two and three, but I just got a notice that the rates will not go up this year! Over the lifetime of a dog, the rates are still reasonable and the savings definitely make it worth it!

If you have ever had a puppy, you know that first year can be an expensive one! Our little Berner girl had so many illnesses that first year. Luckily, I had Trupanion from before I even brought her home. If I had a question, I could email or pick up the phone. The phone staff is incredibly friendly and helpful... no matter how many times I call! They will walk you through anything. If I have a claim, I can email the form in, or mail it, or... best of all, my vet will file it for me! And it never takes long to get a notice that the check is in the mail. I love the flexibility of choosing my own deductible. I have a $0 deductible because you never know when an emergency will occur and I never want to be in a position when I have to decide I can't afford to treat my dog! Sometimes vet bills run into the thousands of dollars... why take the chance? I would rather pay a few dollars more a month. I will say that my rates did go up for year two and three, but I just got a notice that the rates will not go up this year! Over the lifetime of a dog, the rates are still reasonable and the savings definitely make it worth it!

Our dog was very sick and had to spend the night at the emergency clinic for treatment. We were never able to find out whether it was a toxin or a rogue virus. The vet bill was high, but Healthy Paws came through for us with 80% of the cost within a week of filing our claim. Also, I love being able to submit claims on-line. the process was flawless.

They have been wonderful with claim processing typically taking less than 24 hours to process the claim and mailing the reimbursement check out. THey are also very prompt when answering questions and understanding when reviewing plan coverages.