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I consider insurance to be working the moment I can make healthcare decisions for my dog without worrying about 1. how much it will cost; and 2. how much effort it will take for it to actually cost that much. Any plan (such as VPI's) that has a reimbursement schedule (i.e. fixed limits for each illness/treatment category) gloriously fails (1) in my opinion. On both these counts, Healthy Paws has been working phenomenally well for me. I have a 90% coverage plan with a $250 annual deductible (no preventive care) for my 2 year old chihuahua mix. My monthly premium is a little under $30. The claim process is very simple. Print out a custom claim form (I have several printed out and at hand so I get the vet's office to fill it out after every appointment) and scan along with the invoices and email. Every single time, Healthy Paws has blown me away with how soon they processed the claim (usually under an hour). In my first year, I made several small claims but they did not go over the deductible, so I wasn't reimbursed. Sure, on the whole, I paid more out of pocket than I would have without insurance. But I understood the policy and what was excluded and knew fully well what to expect. Two weeks ago, my dog needed surgery for cherry eye, and, immediately after, needed an emergency vet visit when he had diarrhea and regurgitation and loss of appetite while recovering from his anesthesia. The bills were steep, but, in the midst of everything we went through, I'm gr

We signed up for the 30 day trial when we got our puppy and she ended up having some health problems during that time. We quickly realized how fast the cost adds up and decided to convert to a policy at the end of the trial. The service has been quick, efficient, and friendly. Strongly recommended!

We signed up for the 30 day trial when we got our puppy and she ended up having some health problems during that time. We quickly realized how fast the cost adds up and decided to convert to a policy at the end of the trial. The service has been quick, efficient, and friendly. Strongly recommended!

The service we have received from Healthy Paws has been exceptional. We purchased a policy for our new puppy, anticipating that the active lifestyle we envision for her could lead to an injury at some point during her life. We weren't expecting her to be attacked by another dog at 10 weeks of age, nor were we expecting that she'd require neurosurgery to heal her wounds! She spent over a week in 2 different ICUs and continues to require prescription medication as she heals from her injuries. We had only held our policy for 18 days when this occurred and there were no questions asked. We've received prompt, efficient, and kind service from the staff at Healthy Paws. If only human health insurance provided the same level of care and service! I highly recommend this company to those looking for coverage for their pet. The cost of the premiums is quite reasonable and as I've said, the coverage is excellent.

We haven’t had pet insurance for any of our pets until we got our puppy, Merlen, this year. We decided to also purchase coverage for Molly, our 5 year old corgi, at the same time. Molly got very sick a few months ago, constantly hacking and regurgitating. She had developed pneumonia and bronchitis with the x-ray showing she had an enlarged esophagus. We had to completely change what she ate, how she ate it, and how she would sleep. The vets noticed her head had become skeletal due to loss of muscle mass. They began several expensive tests to determine what the underlying condition was. Molly’s muscle biopsy alone was $3,000. It was determined she has a condition that results in muscle atrophy, which had gotten so severe that one of her eyes were unable to blink. Molly sees a specialist that monitors her condition and is on daily medication. Molly is doing better and has that twinkle back in her eyes, which blinks again. The cost of this has been close to $6,000. Healthy Paws is quick with reimbursement. It takes less than a week for them to complete processing the claim. They do take an interest in our pets, sending a note asking how Molly is doing. This was the best thing we could have ever done for our babies. They are in the best of care with a wonderful vet and great insurance coverage with a caring insurance company. In fact, it was our vet that not only recommended we get pet insurance, they recommended Healthy Paws based on the feedback of their other patients. Than

Our sweet dog loved to eat rocks her first 2 years. This resulted in 3 rock removal surgeries to save her life. This last surgery we thought she ate something again, however, this time her intestines had twisted into a knot and she had to have about a foot of intestine removed. Trupanion is the only reason she is still alive. There is no way we could've afforded these surgeries which have ranged from $2500-3000. I'm so glad I insured her. My boys are too. I have been very impressed with how quickly our claims have been taken care of. I've never had to wait longer than 3 weeks. Thank you so much.

Our sweet dog loved to eat rocks her first 2 years. This resulted in 3 rock removal surgeries to save her life. This last surgery we thought she ate something again, however, this time her intestines had twisted into a knot and she had to have about a foot of intestine removed. Trupanion is the only reason she is still alive. There is no way we could've afforded these surgeries which have ranged from $2500-3000. I'm so glad I insured her. My boys are too. I have been very impressed with how quickly our claims have been taken care of. I've never had to wait longer than 3 weeks. Thank you so much.

This is like a health savings account for your pet and Embrace executes the plan without flaw! I love that I can send in simple receipts for health wellness visits and be reimbursed. So helpful to my budget!

We recently had occasion to put our Healthy Paws insurance policy on our puppy to the test. He had injured his paw on something, and it created an unexpected bill of over $500. We followed the easy to understand directions, submitted our claim, and within a couple of weeks we were reimbursed for the full amount due to us (less our deductible and co-insurance payment that we had selected). I highly recommend Healthy Paws. I am a preferred provider for many human health insurance companies, and my experience with Healthy Paws was completely painless compared to my experiences working with human health insurance company policies and practices. Bravo, and thank you. Sincerely, Kathleen M. Devney

When our dog almost died a month ago, the last thing we wanted to worry about was the vet bills piling up. It took all our time and energy just taking care of an old and sick animal. Healthy Paws has a very straight forward claims submission process. Since they are popular, many of the Vets are already familiar with them and offered to submit our claim for us. I expected the reimbursement to take months, but they mailed a check out within the week!