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I chose Embrace because their coverage is based upon the cost of care (versus a set schedule of pre-determined amounts)and because they cover "alternative" care. I obtained my policy as soon as we brought our puppy home, never expecting to make a claim until he was a senior citizen. But at 5 months of age my Afghan puppy injured his knee in a manner that is usually treated with surgery and usually results in permanently diminished ability. I chose instead to treat him with homeopathy, physical therapy, chiropractic and accupuncture. Embrace covered all of these treatments without question or objection once we ironed out the kinks in getting the claims submitted. (I recommend email over fax submissions.) They have always kept me updated regarding the status of my claims and the checks arrive when scheduled. Best of all my now 15 month old boy is happy, healthy, energetic, active(!) and completely sound.

We took our pet Doxie Ginger to the Vet twice this year.The first time she had an ear infection and the second time her anal glands were full. We received a fair reimbursement for both claims submitted

I got reimbursed $1236.00 of the $1500 that I put out for my 14 month old dog's luxating patella knee surgery. It did not take very long. I have not heard from them on the claim that I filed prior to this one for the lab tests at her regular vet, which helped them to diagnose the problem though. All in all it was a good experience. Way to go Trupanion. Holistic coverage would be nice too.

I got reimbursed $1236.00 of the $1500 that I put out for my 14 month old dog's luxating patella knee surgery. It did not take very long. I have not heard from them on the claim that I filed prior to this one for the lab tests at her regular vet, which helped them to diagnose the problem though. All in all it was a good experience. Way to go Trupanion. Holistic coverage would be nice too.

So far I've submitted 2 claims, both which took a while to process, which is ok, but my concern is lies with Embrace's record keeping. When I received the email notifying me of my second accepted claim, they forgot to apply my previous claim toward my deductible which makes me a little (a lot)weary of their record keeping. My advice, keep all correspondence and pay close attention to the numbers. I hate to have to play accountant but it's apparent that this company doesn't seem to pay attention to that sort of thing. So far this has been my experience. I hope this improves! Also, try to find a plan without a deductible. So far, for me anyway, this insurance hasn't been worth it.

I recently bought two insurance policies for our 9.5 year old dogs. The day after the waiting period I found a growth at the back of our dog's paw that had to be removed. Healthy Paws was great! I submitted my claim, mainly hoping to have the expense go toward my deductible. They were very helpful, processed everything quickly once my vet faxed all the medical records. I was very happy that they accepted the claim! I have found everyone I've spoken to at Healthy Paws to be very helpful and professional. I am giving pamphlets to my vet's office!

Get another insurance company. The Pre-existing condition going into a new policy year will be the downfall of the standard policy. Our pet came down with a serious illness in the first policy year and most medical treatments in policy year 2 were not covered because of the pre-existing condition in the policy. Find another company, you will thank me later. Also, they look for every possible way to deny you and their idea of customary fees is way off.

Having been in business myself, I know that providers seldom hear from happy customers, where as the ones who believe they have been treated unfairley will be more then glad to tell thier story, incorrectly or blown out of proportion. I`am writing a testimonial as a happy customer. When we purchased Brie a german pinsher, in Jan/2010. We had no idea she would develope medical problems. Thanks to the suggestion of a friend we took out Trupanion pet Insurance.The medical treatment Brie was treated for was very costly with many trips to the vets and thier recommdations to different specialists. Every time we submitted a claim we were reimburst within 1 to 2 weeks with out waiting or having to plead our case. We were very happy the way we were treated. I hope this testimomial will help others to see that thier are companys like Trupanion that will provide the services they advertise and make thier customers very happy. Thanks for giving us the opertunity to tell our story. Lind & Terry Dilworth & Brie

Having been in business myself, I know that providers seldom hear from happy customers, where as the ones who believe they have been treated unfairley will be more then glad to tell thier story, incorrectly or blown out of proportion. I`am writing a testimonial as a happy customer. When we purchased Brie a german pinsher, in Jan/2010. We had no idea she would develope medical problems. Thanks to the suggestion of a friend we took out Trupanion pet Insurance.The medical treatment Brie was treated for was very costly with many trips to the vets and thier recommdations to different specialists. Every time we submitted a claim we were reimburst within 1 to 2 weeks with out waiting or having to plead our case. We were very happy the way we were treated. I hope this testimomial will help others to see that thier are companys like Trupanion that will provide the services they advertise and make thier customers very happy. Thanks for giving us the opertunity to tell our story. Lind & Terry Dilworth & Brie

When my wife and I decided to get a puppy, I knew I wanted to get pet insurance after hearing about some of the vet bills for different things my friends' pets had been through. After looking at quotes from VPI, Pets Best, Trupanion, Pet Partners, etc. I decided on Healthy Paws based on their policy coverage, glowing reviews, and very reasonable premium. I have to say I have never had a better insurance experience (including health, life, auto, etc.) than with Healthy Paws! They are extremely responsive, understanding, and don't give you the runaround when processing claims. Highly recommended!