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All we had to do was take a picture of our pet's bill and email it! Everything was taken care so quickly. Thanks so much!

Our dog has suffered from back pain and stiffness for quite some time, and we recently took him in for acupuncture treatment. The treatment really worked wonders for his physical comfort and we also noted big behavioral improvements. I saw in my Embrace coverage documentation that complementary medicine services can be covered for injuries and illnesses, and submitted claims for each of his treatment sessions. I didn't actually anticipate having this service covered, but Embrace covered all of his treatments in full, with no additional documentation or justification needed. Great coverage again from Embrace.

So happy I got pet insurance for my new puppy! I bought the extra coverage for wellness stuff, which covered spaying and vaccines, but of course my pup had post-spaying problems - during a weekend, of course - and our visits to the Referral Center (emergency vets) and emergency surgery were covered! If only I'd done this with my previous pup, whose mystery GI infection ended up costing me $8000!

Within a month of enrolling with Trupanion my border collie suffered a knee injury after she tripped on uneven ground in our backyard and began limping. My veterinarian diagnosed her injury as CCL strain or partial tear. I got the ball rolling with Trupanion to obtain TPLO surgery pre-approval and was very satisfied with the helpfulness of the representatives that I talked to. However I was not pleased with the outcome of the pre-approval when my claim was denied. It was on the basis that CCL injuries are considered an "illness" rather than an "injury" and at the time we submitted the claim, my dog was not yet past the illness coverage waiting period of 30 days. I read my policy and understand the waiting periods, but what I don't understand is why my dog's knee INJURY was considered an illness. Upon asking for clarification from Trupanion on illness vs. injury I was told that an injury is caused by an accident while an illness is not caused by an accident. I then asked what is considered an accident. Per Trupanion "To clarify the difference between an accident and an illness, an example of an accident would be something like a pet spraining a leg jumping off a table as opposed to an illness like the animal developing a bacterial infection" Based on the fact that my dog's injury was indeed the result of an accident, my vet and I worked together to explain to appeal the denial. This process took several months (of which I was paying the monthly premium), and it was denied for a second time. I am so thoroughly disappointed with Trupanion and how they could deny the evidence and testimony given by my vet. I can't stand by a company who claims to be in the best interest of pets and yet finds a way around actually helping them. I understand that in some situations people can truly benefit from insurance, but in our experience Trupanion was a complete waste of our time and money.

My 18 month old maltese, Zophia unfortunately became a seizure patient a few weeks ago. We are JUST beginning this new unforseen completely out of the blue unexpected turn of events, HOWEVER I NEED to share our ALREADY AMAZING, over the top, consistent experience with Healthy Paws. I opted to purchase puppy insurance back in May due to Zophia being SO little yet acting SO BIG! Summer was approaching and we are very active! After MUCH research I decided, (THANK THE ALMIGHTY POWER, we DID) to make Healthy Paws Zophia's provider. After waking up August 27, 2015 to Zophia "stuck" in a seizure cluster I rushed her to the emergency veterinarian hospital. Since we have been admitted to ICU twice for a total of SIX nights, transferred to the neurologist specialist team, placed on several medications, many tests, MRI, spinal tap, therapy, just to get an idea of my anxiety, stress and extremely exhausting levels!! To date I have thousands and thousands and thousands......in vet bills, to date I have ALREADY RECEIVED, checks cut, in the mail, in my hands thousands and thousands and thousands and thousands of $$$$$$$$$ from Healthy Paws!!! Even Zophia's neurologist, knowing my non existent financial situation, that the scans and tests required to 100% determine her diagnosis, and continued care and treatment plan, are VERY costly, gave me time to take it in, call Healthy Paws to see what they were willing to do for Zophia and I, "insurances being a business" as she put it. Was astounded when I came back to tell her, "we're GOOD to go", Healthy Paws, being that this was NOT preexisting DID in fact cover, to date 90%, as I chose per her initial enrollment, INDEED WILL BE COVERING 90% NOW and forever her condition. "Are you kidding, that is amazing!!! " NOT one bit commen, BUT amazing"!!! Said Dr. B. The very first time calling a claims specialist was on a Friday at 330pm, having to up front charge invoices on my credit card my anxiety and question level was high due to the fact weeding up to 6 weeks for reimbursement sounded like a lifetime. The super sweet informative caring agent told me she would pull Sofia's file as soon as she was done with the one she was working on at the time. And then would send me an confirmation email. I thought Yeah right its closing time on a Friday never. Well lo and behold within 45 minutes received an email and my first check was being processed and sent in the mail. I thought I lucked out having that claims specialist answer my phone c

My dog has recently been diagnosed with diabetes. I am so glad i have pet insurance, or i probably would have had to put my dog (who is my life) to sleep. I have to take her in weekly ($50-$60 a visit, and i live paycheck to paycheck), until they figure out how much insulin my dog needs every day. It is sooo frustrating.I appreciate that embrace allows me to take a picture of my claim and e-mail it to them, right from my phone. That is all i have to do. I then get a follow up with all claims. Thank you embrace! I wouldnt have my dog anymore, if it weren't for you!

I can not say one bad thing about healthy paws... I had gotten insurance for our rescue pup we adopted because we lost our last dog due to illness and learned the hard way... I will never go without insurance ever again! I read all the reviews and spoke to people that had insurance and decided on healthy paws. Our dog duke was in a horrible accident - he ran right in front of a truck! After an almost 7000 dollar vet bill and still needing his third surgery I'm so happy I went with a company that has the support of an amazing staff and they will go through your claims fast and send out a payment check so I can pay off my bill. I recommend healthy paws 100% - from their app to the staff love everything about this company!

We purchased our pet health insurance several hers ago when she was healthy, and as she grew older we were so happy we did it. he now has a heart condition and is blind, but still a happy and feisty little girl. Trupanion has come through every step of the way as we have cared for our Dachsie's unique health problems. She has a great life, and we haven;t thought twice about getting her the treatment she needs. Trupanion insurance has given us a level of comfort and peace of mind that we really appreciate.

We purchased our pet health insurance several hers ago when she was healthy, and as she grew older we were so happy we did it. he now has a heart condition and is blind, but still a happy and feisty little girl. Trupanion has come through every step of the way as we have cared for our Dachsie's unique health problems. She has a great life, and we haven;t thought twice about getting her the treatment she needs. Trupanion insurance has given us a level of comfort and peace of mind that we really appreciate.

What a fantastic ins. company My claim was taken care of and direct deposited in my account in a matter of days I could not be more pleased Keep up the great work