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I have had nothing but positive results from Embrace. They have done everything they said they would do, and in a competent caring manner. I am beyond satisfied. I have recommended you to others who are pet owners and will continue to do so.

We rescuedj a shih Tzu 4 years ago. The puppy has been covered since the first vet appt. We have continuisly used Trupanion throughout her vet expenses. This year 9/5 we adopted a small puppy. We have added the new dog to our original policy. Love their service and quick processing.

We rescuedj a shih Tzu 4 years ago. The puppy has been covered since the first vet appt. We have continuisly used Trupanion throughout her vet expenses. This year 9/5 we adopted a small puppy. We have added the new dog to our original policy. Love their service and quick processing.

I adopted a female St. Bernard who had skin growing partially over her vagina. She went through many bouts with feminine irritations like yeast infections. The vet said we could remove the skin covering her vaagina and the infections would get better. I called Pets Best and asked if this was a covered surgery she would be getting. I was told yes. She had the surgery and then Pets Best refused to pay. I had to take my time and my vets time to appeal the decision. After about 45 days the decision was reversed and they did pay my claim. Now I don't know whether to trust what Customer Service tells me about future claims. After being a happy customer for ten years I don't know what to do about future pet insurance.

Did a lot of research before insuring my chihuahua pup with Trupanion six years ago. Worth the effort! I am a retired United Healthcare Director of Quality Management,and I have high and exacting standards when it comes to healthcare excellence for myself, my family and my companion animals. Trupanion has always met or exceeded them for Yoda. Claims processed promptly, often within hours, check cut and mailed within a couple business days. Oh, and super customer service--courteous, concerned, informed. Last visit to my vet, staff told me they were now recommending Trupanion as a first choice in pet insurance.

Did a lot of research before insuring my chihuahua pup with Trupanion six years ago. Worth the effort! I am a retired United Healthcare Director of Quality Management,and I have high and exacting standards when it comes to healthcare excellence for myself, my family and my companion animals. Trupanion has always met or exceeded them for Yoda. Claims processed promptly, often within hours, check cut and mailed within a couple business days. Oh, and super customer service--courteous, concerned, informed. Last visit to my vet, staff told me they were now recommending Trupanion as a first choice in pet insurance.

No hassle friendly, professional service. Thank you.

Trupanion processed my claims in a matter of a few days and I had a check shortly after that. They did what they said they would do!

Trupanion processed my claims in a matter of a few days and I had a check shortly after that. They did what they said they would do!

I'm not convinced if it is worth it to have this insurance, or pet insurance in general. It does give me peace of mind knowing that if anything major happens to my cats, that I have insurance to help off-set the immediate costs, but with 4 young seemingly healthy cats I may be spending more having insurance in the long run. After all, $1200 a year is a lot to bet on, unless something bad happens. Insurance is basically a betting game anyway. By the time my four 2-year old cats are considered seniors (at 7 years old), I will have paid $7,200 in insurance- not even counting my deductibles and 10% of the vet bills. I had Trupanion before and switched to Healthy Paws for a few reasons. Firstly, the rates are lower. I am paying the same amount with HP for 4 cats as I was paying Trupanion for 3 cats. Also, I love the ease of filing claims using HP's app. It's very convenient and user friendly. I chose to have a $100 deductible and for HP to cover 90%. SOME THINGS TO THINK ABOUT BEFORE BUYING ARE: ***Each individual animal has it's own deductible (makes sense, but I didn't think about that- 4 cats equals $400 in deductibles for me) ***The amount that goes toward the deductible is HP's 90% amount, NOT the 100% out of pocket amount. So, you end up being responsible for MORE than the deductible amount. Technically you pay about 110% of the deductible before HP even pays anything. For example, I assumed that if I paid $100 at the vet, that the deductible was met and HP would cover 90% of the rest of the eligible fees. HP would only count $90 towards the deductible, leaving me responsible for the remaining $10 next time. However, I would actually pay $11.12 at the vet and then my deductible would be met. So, really the deductible is $111.12. Not a big deal if you have a low deductible, but if you had a $500 deductible you would be responsible for $556 out of pocket or $1000 deductible would be $1112 out of pocket. ***If your veterinarian sucks at writing medical notes, you're out of luck. Make sure that your vet knows that you have insurance and that they need to write good notes to indicate why everything was done. Otherwise, everything that doesn't have notes is considered "preventative care"...why and IV catheter and sedation would be considered "preventative care", I don't know. Just have your bases covered. With that being said, I think if I had just one cat, I might find the insurance more worth it. Do your research, crunch numbers and see i