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I have a dachshund and I got Embrace pet insurance because they cover "breed specifice" illnesses. Dachshunds are very prone to back issues (IVDD) and I wanted to make sur that the pet insurance I bought would cover back surgery since it is very costly. I decided to get covered after hearing my neighbor's story with her dachshund in February 2015. Luck would have it that MY dachshund ended up having three slipped discs because of IVDD in April 2015 and needed back surgery. The surgery cost me $6,000 but Embrace covered 80% of it. I was extremely afraid that Embrace would reject my claim for some ridiculuous reason, but they did not! They honored the claim and processed it within a week. Excellent company and worth the money to buy the insurance!

The only bad experience with Healthy Paws is that they make me realize how awful insurance companies for humans are! My 8.5 year old boxer boy underwent his first surgery to remove a mass growing on his back. I contacted Healthy Paws claim department and was able to speak to a live person within minutes who provided me an estimate within hours! My appointment was on a Monday; I received an email confirmation confirming receipt of invoice on Tuesday; on Wed, my claim was processed. I received my reimbursement check by Saturday! REPEAT: I received the reimbursement in less than a week from the day of surgery. It's no wonder they are ranked the #1 pet insurance covering 90%. I have tried to tell all of my friends at the dog park and vet's office about my experience because I wish someone would've told me sooner! With all of the love I have in my heart for my Maximus who is everything to me, I thank you Healthy Paws!

Embrace again came through our second claim in three years. Just a fantastic company, and coverage is always understandable and exactly as expected. We recommend them to everyone!

One of the most scamming and unethical insurance companies I've ever had the displeasure to work with. The first claim I make, a small claims under $300, they keep telling me I'm fine and I'll be covered. I decided not to renew my coverage, so then I wait a month and keep following up on my claim, and then I finally get a phone call telling me my claim was denied because of some reason they literally just made up on the fly, saying I had to activate my insurance within 24 hours of adopting my dog but the shelter waited a few days to activate it. Because of this Trupanion claimed my coverage is null and void and that there's nothing I can do. They literally made up a reason to void claim because I decided not to continue my coverage way after I filed the claim, when they told me for a fact beforehand I'd be covered, and on a side note, they kept pressuring me and notifying me to renew my coverage. Worst insurance company, nothing but a huge scam, and they care nothing for your dog or their clients; the only thing that matters is their pocket and screwing their customers.

They will only reimburse 80% of what they deem an allowable charge for the service performed and not what was charged by the vet. Terrible!

Our eldest dog (2 years old) was chewing on an antler and cracked her tooth straight down to the root. Because it was so badly damaged, our vet advised us that it was a dead tooth since the crack struck the nerve and it would need to come out. With that was an almost $1000 bill! Eek! We have been with Healthy Paws since our pup was little and had never had to submit much to insurance. We were worried that some part of the procedure wouldn't be covered or it would be a fight to have to get it reimbursed. Our pup had the procedure. I submitted the claim form and in less than 10 days, I had a confirmation that it was received, a clear statement of what was covered (all of it minus my deductible) and notice that a check was on the way!!! AMAZING customer service and such a seamless and quick process - I could not have picked a better pet insurance company! Not only was it so easy, a rep from the company checked in on our pup after submitting the claim to see how she was doing! Nice personal touch in the age of transactions. :) I would recommend Healthy Paws to every one! SO happy we chose them!

Trupanion is quick to process pre-approval forms and in evaluating and paying claims.

Trupanion is quick to process pre-approval forms and in evaluating and paying claims.

Healthy Paws is outstanding in every way. I enrolled my two dogs with them and could not be more pleased with the coverage and customer service. My one and a half year old mix, Charlie, recently had an umbilical hernia. While almost every other pet insurance plan out there would not cover it as it is considered a congenital or hereditary defect, my plan with Healthy Paws covered it. Not only was it covered, but I received payment within a week. The experience of submitting the claim was extremely easy and efficient, and the customer service afforded me was outstanding. From alerts through my mobile Healthy Paws app to emails when the claim was received and processed, I was kept abreast of the status ever step of the way. Even more importantly, the genuine concern expressed by various representatives, inquiring on how Charlie's procedure went and expressing well wishes for his recovery, touched me deeply. It is very reassuring to know that Charlie's is in such good hands with Healthy Paws. I absolutely recommend Healthy Paws to anyone who treasures their pets and wants the best coverage out there.

Trupanion has rejected every claim I have submitted (in excess of 3)!Most recently they have refused a claim that my vet said was a UTI. He prescribed antibiotics. The company refused to reimburse as they claimed that he was having a behavioral issue. Now why would a vet prescribe antibiotics for a behavioral issue! In my opinion, they are a terrible insurance company and I would never recommend them to anyone!