Payment Experience
Read pet owners’ reviews on payment experiences with pet insurance companies. Learn how easy it is to pay premiums, manage billing, and whether payments are processed smoothly and transparently.
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Fantastic, prompt service, great coverage
Healthy Paws is the best! My 3-year old dachsund mix (probably terrier), Lyle, ruptured a disc and had severe spinal trauma a little over one month ago. Though the injury is typical of dachshunds (long backs, short legs, fearless jumpers), she was young to have it happen. It paralyzed her from the waist down. She had surgery that, with the hospital stay and all the other associated expenses, cost ca. $15,000. Healthy Paws paid 80% of it, and did so within days of my submitting the claim. For the last three weeks, she has had rehab 3x a week. Each visit costs $220, and, again, Healthy Paws has paid 80% of it (and will continue to do so as long as Lyle needs it). Their customer service representatives are super friendly, helpful and kind, and their claims department patiently answers all questions and gets reimbursements to us in a timely fashion. All that is so important when you have a beloved pet in pain and in need of intense care and you are emotional and trying to sort through the complexities of pet care and insurance. Lyle has gotten stronger since beginning her therapy, and though paralyzed from the waist down with no control over her legs (or bladder or bowels) when it started, can now stand on her own and even stand up. The therapist is very hopeful that she will walk again! We're so grateful to Healthy Paws, because we never could've afforded the entire cost of either the surgery or the therapy, and would have had to let her go. Now, thanks to Healthy Paws (and marvelous veterinary care and the determination of our fierce dachshund who won't give up), chances are good that she'll regain control of her back legs and walk again. We owe them an enormous debt of gratitude.
Insurer: Healthy Paws
By: Maria
Extremely pleased!
I have had insurance with Embrace for approximately eight years for my English Mastiff and am beyond happy with the service I have received. Claims are reviewed and completed quickly. Communication is very good and the staff is great!
Insurer: Embrace
By: Cathy
Love it
I have only had the insurance a few months, as my puppy is 6 months old. Trupanion has covered a good amount of my claims and they have been very prompt with payments. The only negative I have is that at my first visit to the vet, I mentioned several things to the vet that are typical for puppies (she was only 11 weeks old and I had not had her very long). (eating, drinking too fast, scratching) From the vet's notes, Trupanion indicated allergies and digestive issues would not be covered, as they were pre-existing conditions. These were not "conditions" and my pup was never diagnosed with anything as a result of my just asking new doggie mom questions to my vet. So I think it is unfair to indicate certain things would not be covered without a formal diagnosis. However, there was an ear infection that they denied (stating this was related to allergies and was a pre-existing condition) and I appealed it, and with clarification from my vet that there was no diagnosis of allergies, Trupanian ended up paying the claim. I was grateful but feel that it was a hassle having to appeal and ear infection in a puppy. Overall though, I have been happy with the insurance. I would definitely recommend it.
Insurer: Trupanion
By: Toni
Very quick claim reimbursement every time i submit a claim.
My 4 yr old labrador retriever has had several health issues. Broken ankle, allergies and now Addisons disease. Healthy Paws has been my partner in helping my wonderful dog Shine get the best care possible.. I submit a claim and in 2 days the money is in my checking account. I recommend Healthy Paws to anyone looking for insurance for their pet.
Insurer: Healthy Paws
By: Denise
An honest insurance company
Buying the insurance with Trupanion is a good investment and is worth to pay for. Most of the pet insurance companies out there have limited payout, from 3k to 5k per year, for the same amount of monthly payment with Trupanion. Any claim about greater than that has to come out of the human pockets. Trupanion has unlimited cover. My dog was sick multiple times and Trupanion covered all the procedures that listed in the policy. The claims were processed quickly with automatic claim service. It is the same procedure when you pay for human hospital treatment with Medicare or health care insurance. I rarely write good reviews for any company; mostly I leave bad reviewS. I am honor to be a member of Trupanion.
Insurer: Trupanion
By: Sam
An honest insurance company
Buying the insurance with Trupanion is a good investment and is worth to pay for. Most of the pet insurance companies out there have limited payout, from 3k to 5k per year, for the same amount of monthly payment with Trupanion. Any claim about greater than that has to come out of the human pockets. Trupanion has unlimited cover. My dog was sick multiple times and Trupanion covered all the procedures that listed in the policy. The claims were processed quickly with automatic claim service. It is the same procedure when you pay for human hospital treatment with Medicare or health care insurance. I rarely write good reviews for any company; mostly I leave bad review. I am honor to be a member of Trupanion.
Insurer: Trupanion
By: Sam
Highly recommend
Always fast completion and payment of claims. CS is always extremely helpful when we call for questions about our policy. We recommend you to everyone.
Insurer: Trupanion
By: Joann
Happy surprise.
My vet made the submission and I was notified that they paid the vet and I owed nothing more. To say this was a welcome change from Human Medical insurance is an understatement!
Insurer: Trupanion Canada
By: Melodie
Excellent insurance
This is insurance is worth getting, my dog had to stay in the hospital with IV, they covered it. I’m glad I got this insurance.
Insurer: Healthy Paws
By: Raynette
Having Trupanion Insurance for my dog equals to quality of life and peace of mind!
Excellent performance in communication whether through e-mail or on the phone and promptness in processing the claims. Having Trupanion Insurance was one of the best decisions I ever made! Thank You!
Insurer: Trupanion
By: Isa