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I worked so hard researching insurance companies, it came down to healthy paws and another similar one. My tip for you, 15 day waiting period, actually means 16 - one day to process the sign up, then 12:01 the next day + 15 days wait period...I did not see this clearly stated anywhere that I could fine, however they tell me it is (I signed up on web not on phone). So when I made an appointment for my puppy's vaccine I did the calculation 2 weeks + 1 day. There was nothing wrong, just a well visit, so might as well walk into the vet during coverage period rather than uninsured. Well unfortunately it was major, my poor pup had a severe reaction and needed emergency medical care of $200 (thank goodness he is fine), I was grateful I had waited the 15 days. After submitting the claim I was told how the first day sign up does not count and it actually began the following day and I am not covered. I think the part that annoys me most though...they had no problem billing me on sign up day and no problem billing me that day each month, but yet it doesn't count toward the wait period. I am sure they will cover things in the future, but just be better informed than I was, it could save you a bit of money.

User friendly claims administration. Ease of claims submissions and turn around time not usually found within insurance industry as a whole. Many companies figure out ways not to pay claims ASPCA pet insurance does the opposite. Was in insurance business for over 40 years and acted as broker /consultant for fortune 500 corporations and national non profits involving mass marketed products. These guys know what they are doing and do it well. A credit to the industry.

ASPCA pet insurance has been reliable and fair. The benefits have been paid according to the guidelines of the stated policy and within a reasonable time frame. When there was a technical difficulty in transmitting a claim at one time, it was smoothly worked out without further ado.Everything is handled in a business-like, satisfactory manner.

I was very happy how the claim was handled.Megan was very fast in handling the claim and was very courteous.

Was pleasntly surprised how quickly I received a check! I faxed the claim to Trupanion and within a day had a confirmation e-mail that it was being processed. A day later I had another email, stating a ceck was on its way. Three days later I had it! They do take off some money for the office visit, but overall paid about 70% of the claim. I have 2 dogs and it was the same situation for the second! Great service.

Was pleasntly surprised how quickly I received a check! I faxed the claim to Trupanion and within a day had a confirmation e-mail that it was being processed. A day later I had another email, stating a ceck was on its way. Three days later I had it! They do take off some money for the office visit, but overall paid about 70% of the claim. I have 2 dogs and it was the same situation for the second! Great service.

Oliver (my Old English Sheepdog)has been insured by Embrace for 2 years. I have been extremely please with the manner and quickness that Embrace processes any claims for Oliver.

i don't think I can say enough positive things about Healthy Paws Pet Insurance. Prior to applying for coverage for my French bulldog Winston, I did a great deal of research. Most companies had many exceptions, high deductibles, and/or high monthly fees. Healthy Paws had multiple options and low monthly payments. Moreover, since Winston started using the coverage, I have never seen claims processed so quickly. If I scan over a claim on a Monday, it is processed on a Tuesday, and a check reaches my home within a week. The explanation of benefits is clear and easy to understand. If you do have a question, a claims representative is always helpful. As I told the staff at Winston's veterinarians office, I wish Healthy Paws could be my health insurance company. They are efficient, friendly, and cost-effective.

If it wasn't for Healthy Paws, I don't know what I would do. We adopted a shelter dog a year ago. I've used Healthy Paws insurance multiple times throughout the year including just this past month with vet bills adding up to nearly $1000.00! Within one week of the vet visit, the Healthy Paws checks were in my mailbox. They have been extremely helpful when I've called with questions, and they follow up with emails quickly. Just a great all around service!I wish that I had insurance like this for my last dog, and I'm so thankful that I have it now. Definitely not a mistake or waste of money. Don't hesitate - pick a monthly plan that works for you and apply immediately! I have the 90% reimbursement/$100 deductible plan - at $31.95/month. It's a bargain considering what I would have had to pay out of pocket. Highly recommended!

This is our second experience with a pet insurance company. We are more than pleased with the service, the level of reimbursement, and the prompt attention to the claims.