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I have had pet insurance for the past 18 years on my beloved Billy. During that period I had three major disasters that I don't know what I would have done if it weren't for Nationwide. When Billy was 13 he needed Knee surgery which was very costly and Nationwide stood by us and paid their portion of the claim. When Billy was 16 he had Vestibular Syndrome. We had to take him to the Emergency ward and the cost was extremely expensive. Nationwide took on quite a bit of the burden. And lastly when Billy was 18 he developed incurable Cancer and unfortunately passed away. The last few days I the emergency hospital was very expensive but not only did Nationwide help us pay part of the bill, they returned the premium for that period. I am truly grateful. I now have a new puppy and after looking at other alternatives. I chose Nationwide, since I feel that they are the best.

I have 2 dogs, both strays. One was a stray from Panama (Chooki) which I brought over with me to Miami and the other we adopted from our local shelter (Louie). From day 1, Louie was sick with pneumonia, kennel cough, and high fever. The day after we picked him up from the shelter we were dropping him off at an overnight animal hospital to run tests and get an IV. We spent almost $2,000 that first night! And at the time, we had insurance with Pet Smart "Bansfield". They only covered preventative costs, such as shots, regular visits, and ear cleanings. Since my pets were really healthy, I didn't see the need to switch the insurance, until that night. While at the hospital, I picked up a brochure for Healthy Paws and the lady at the front desk told me she used that insurance for her 2 pets and it was really good. I switched and actually paid less than what I was paying with Banfield. I paid $25 for each pet a month and downloaded the app on my phone. The insurance had a $200 deductible and covered 80% of medical bills. What I liked about it was that it was completely opposite from Bansfield, in that it didn't cover preventative medical care, but everything else. Which was fine, cause most places have plans where you can pay a 1 time fee of $60 and it covers their shots for life. Plus I don't take them to the vet unless something is wrong, they get their ears cleaned at the groomers. I was worried that if Louie got sick again, we would be out of pocket another couple of thousand dollars. Both dogs are very healthy, but Louie is that kind of dog that is prone to swallowing anything and everything around the house! I once pulled an entire bandanna (from the groomers) out of his butt, he had swallowed it whole! So just 2 weeks ago, he decided to swallow a sock he found in the house somewhere. My husband and I didn't know what was wrong with him, but he was constantly throwing up, had no appetite, and a high fever for 2 days. We took him to the animal hospital, they did an xray, and sure enough found out that he had swallowed a sock and it was stuck in his intestines, not allowing anything to pass through and damaging his organs. They had to go into surgery to remove the sock immediately to avoid causing further damage to his intestines. We were nervous about the surgery and about how much this would cost us, since we had never had to use our insurance before. When the final bill came: diagnosis, surgery, anesthesia, medication, everything totaled to

Three Pekingese chose us as their parents and we wanted any catastrophic event covered.All three have been covered for four years. Abby - neck surgery and recovery $6000 Harry - herniated disc surgery - over $12,000 Magoo -liver disease and seizures $5000 and on going monthly expenses. Trupanion has been and is there for us. No words can express our comfort!

Three Pekingese chose us as their parents and we wanted any catastrophic event covered.All three have been covered for four years. Abby - neck surgery and recovery $6000 Harry - herniated disc surgery - over $12,000 Magoo -liver disease and seizures $5000 and on going monthly expenses. Trupanion has been and is there for us. No words can express our comfort!

Our beloved Lab puppy had a Coccidia infection which caused an intussusception. That was in the waiting period so they didn't pay anything for treatment - that's ok.After that, she needed two more surgeries and a lot of medication due to 2 intussusceptions (in other parts of her intestant, and not connected to Coccidia). They declined to pay anything because they say it's all related to the Coccidia infection and so in the waiting period and so - Zero. We asked them for a review what they did through their "third-part vet". This vet stated the same, which we knew before as these vets are biased (they are paid by the insurance company). We offered a review by a "real" third-party vet at our expense which they declined. They are extremly customer-unfriendly (not responding to emails, not providing details, and so on). They never wanted to pay anything right from the beginning. We are almost broke now. The worst insurance company I ever had to deal with (and I work in the insurance business, btw). Sad but true.

I completed a spreadsheet to calculate the amount I would spend on insurance premiums over 18 years and the amount actually spent on cats who have been pets in my family over the past 30 years. Even the cats who only went to the veterinarian during their last year of life, I discovered that bills for gum infection and other treatable conditions that are increasingly common in cats over age 10, cost more than insurance premiums alone over the lives of those cats. In other words, 10 years of premiums costs less than veterinary bills for treatable conditions in the 11th year. My cat, Freddy, was my family's first pet with health insurance. He received cancer treatment during his 16th year of life. He completed treatment. He lived for 13 months with zero vet visits and no obvious symptoms. He died at almost 18 years old. I have two cats now who also get all the care they need.

I completed a spreadsheet to calculate the amount I would spend on insurance premiums over 18 years and the amount actually spent on cats who have been pets in my family over the past 30 years. Even the cats who only went to the veterinarian during their last year of life, I discovered that bills for gum infection and other treatable conditions that are increasingly common in cats over age 10, cost more than insurance premiums alone over the lives of those cats. In other words, 10 years of premiums costs less than veterinary bills for treatable conditions in the 11th year. My cat, Freddy, was my family's first pet with health insurance. He received cancer treatment during his 16th year of life. He completed treatment. He lived for 13 months with zero vet visits and no obvious symptoms. He died at almost 18 years old. I have two cats now who also get all the care they need.

My pet Blu Bullion has had some health issues and Pets Best has stood by her the whole way. My Vet is so impressed by thereCoverages and quick response to Blu he wants all of his clients to know Pets Best is available. Penny is a customer service agent and was the most kind and caring guiding me in claim form issue. Blu is thriving thanks to Pets Best.

If you wonder whether paying each month for pet insurance is worth it, I say YES...it is a small price to pay, when and if you need to file a claim for a $2600 surgery! Embrace has been absolutely great in handling my dog's claims and making sure I had the money back in my bank account before I had to pay the credit card payment. They were always available to answer my questions and alleviate all my concerns.

We are thrilled with Caitlin's Healthypaws insurance. She is just 2 years old but has already had major surgery and an illness requiring ICU admission. The bills would have incapacitated us but with the low deductible and high percentage of payment from Healthypaws, our share was small compared to the total cost. I think the smartest decision we ever made (besides adopting Caitlin) was insuring her at Healthypaws!