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In 2007, my baby girl Sophie was diagnosed with Cushing's Disease. She went through extensive (and expensive) procedures until she passed away in April of 2016. When I got Sophie I was unaware that pet insurance even existed. By the time she got sick she was uninsurable. I spent 9 years and over $10,000.00 to keep my baby healthy and happy. I spent every dime in my savings and then some. I swore that this would never happen again. I recently adopted 2 Lab mixes and immediately started searching for insurance companies and found Embrace. After reading the reviews, I said "No way can an insurance company be this good" I was wrong! They are better than that! Every claim I submit I get a timely response from a representative that I know for a fact truly cares about the well being of my babies. Thank you so much for helping me and I am happy knowing that what I dealt with before will never happen again. Still miss my Sophie very much!! :(

I have 3 dogs insured with Embrace. My biggest suggestion is add your dog to your policy as soon as you get the animal! One dog has lots of pre-existing conditions because I didn't know early enough to get insurance. Check the 2 types they offer - Accident/Illness vs Wellness. Be sure to check your coverage, or put in the paperwork for pre-certification to be sure certain things are covered. Dental work is NOT under accident/illness. And the final approval will be based on the final diagnosis, so if you have work done based on an initial diagnosis (that is covered) and then the outcome shows a different problem (that isn't covered), you are stuck with the bill. But Embrace is one of the few companies who covers congenital defects like hip dysplasia. We are in the middle of extensive PT and rehab following FHO surgery to alleviate arthritis pain caused by dysplasia, and everything has been covered. When the surgery had complications due to an unknown bleeding disorder, everything was covered even though it exceeded the pre-approved quote. While we do have to pay bills up front, then apply for re-embursement, the claims procedure is usually very quick. Using direct deposit, I typically have money back within 2 weeks (as long as the vet does their part to provide paperwork). The 10-15% rate increase every year is getting a little harder to swallow though!

Pets Best has good plans at a reasonable price. The resources online and the website are clear and easily navigated. Customer service is top notch - I always get a prompt and friendly answer to any question I may have. Their claim process is extremely easy and they definitely make it super simple to utilize your benefits. I highly recommend them!

We have had Healthy Paws Pet Insurance since adopting our dog, Frankie, in the fall of 2015. I had originally thought that it would be a 'nice to have', but felt unlikely that we would actually need it. I couldn't have been more wrong. In 2016, Frankie had to have two obstruction surgeries, in addition to some smaller procedures. Healthy Paws has been wonderful to deal with, and a lifesaver. In each instance, the claims process is easy, and Healthy Paws processes in a timely manner, and communicates throughout the process. Using the app is a breeze, and I appreciate that Healthy Paws has checked in to see how Frankie is recovering after both major surgeries. I really could not be happier with the care and coverage we have received from Healthy Paws.

This is my second review and it probably will not be my last because I cannot stress enough how fantastic trupanion is. They have been life savers for our family. Trupanion is very straight forward clear and simple no hidden rules no loop holes no crazy catches. They are fast and do not give you any run around when filing claims and getting reimbursed for medical costs. Also their customer service representatives are patient compassionate and very informed. Oh and another good thing once trupanion is with you they are there for life! They won't drop you because your pet is actually really sick.... imagine that?! So yes I love trupanion I could go on and on....thanks trupanion for making it possible for us to provide the care our little penny needs to literally stay alive on a daily basis. Penny is our 7 month old boxer she has pancreatic insufficiency and needs pancreatic enzymes for the rest of her life...and let me tell you they aren't cheap...wouldn't be able to do it without trupanion! Thanks again Trupanion! - Vanessa G. And Penny (the boxer)

This is my second review and it probably will not be my last because I cannot stress enough how fantastic trupanion is. They have been life savers for our family. Trupanion is very straight forward clear and simple no hidden rules no loop holes no crazy catches. They are fast and do not give you any run around when filing claims and getting reimbursed for medical costs. Also their customer service representatives are patient compassionate and very informed. Oh and another good thing once trupanion is with you they are there for life! They won't drop you because your pet is actually really sick.... imagine that?! So yes I love trupanion I could go on and on....thanks trupanion for making it possible for us to provide the care our little penny needs to literally stay alive on a daily basis. Penny is our 7 month old boxer she has pancreatic insufficiency and needs pancreatic enzymes for the rest of her life...and let me tell you they aren't cheap...wouldn't be able to do it without trupanion! Thanks again Trupanion! - Vanessa G. And Penny (the boxer)

My dog has a constant problem with his stomach. My doctor suggested having an ultrasound and endoscopy in addition to the blood and other test. All these tests were very expensive and thanks to the Embrace great service we received the reimbursement checks before my credit card due date. I highly recommend Embrace pet insurance

Having had other pet insurance (VPI) it is night and day the difference between them. Healthy is SO EASY, so quick, and really pays for what they say they pay for. All different than my previous experiences. My dog recently had a major issue and I didn't hesitate to tell the doc to take the most conservative measures, which included hospitalization for three nights because I did not have to account for the financial aspect. A $2200 event cost me under $300. Can't say enough good things! And anytime I've called customer service I also had a great experience. I promise I'm not a paid reviewer -- I almost never review things -- but totally recommend Healthy Paws.

We couldn't be happier with our Healthy Paws policy, their level of professionalism, customer service, and their responsiveness. Our dog recently became very ill and required hospitalization for about 10 days. The costs were overwhelming, in the thousands of dollars. Within days of filing our claim we received a personal email from a Healthy Paws rep (Tim Weiss) asking us how our dog was doing and checking on her recovery. About a week after filing our claim we received our reimbursement check in the mail. Filing claims online is also very easy, taking only seconds to update invoices with no additional information required. We plan on recommending Healthy Paws to all of our pet owner friends and also adding a policy for our cat. We're fortunate to have been covered during such a scary (and costly) period and are very thankful to the help we got from Healthy Paws.

We had a wonderful chocolate lab Maia who needed surgery for a tumor which turned out to be benign but was very costly and we had no insurance Towards the end of her life she would get diabetes which was another costly health issue. When we got our new Jack Russel puppy Rex we made sure to get Trupanion insurance just in case. We have use it a few times for minor issues over the years, but vet bills can be costly so having Trupanion has been great. Most recently, Rex is 6 years and gets into mischief. He got into some granola with raisins which can be toxic for dogs, so emergency and followup ran up to over $400. Then 5 months later he would get into a veggie mix with onions, another food toxic to dogs and another ER visit. We are happy to say Rex is healthy. Having Trupanion is a blessing. We have no deductible and they pay 90% of covered charges in a quick manner. Thank you Trupanion!