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I was with Trupanion for 4 years, submitted approximately $1000 worth of vet expenses and only received $10 back. On my fourth anniversary they increased my bill by $100 a year, when I called to inquire about the increase they advised it was due to vet costs and expenses - however, during the call one of the several agents I spoke with informed me that 35% of their clients did receive a reduction. My question to the manager is why an account that has only ever received $10 in reimbursements is experiencing an increase and other people are getting a decrease. To which they had no satisfactory answer, saying each area is reviewed annually - and some go up and some go down.

I would highly recommend Embrace Pet Insurance to all pet owners. They have covered two unforeseen surgeries for my now 1 year old Rottweiler/Doberman with efficiency and ease. Their system is so simple to navigate and customer service is great.

I have a Beagle, and after she was mysteriously ill and hospitalized for three days, I decided it was time to stop taking chances and finally get pet insurance. It has been the best decision I have made for her. The claims are processed quickly, they follow up to make sure everything is ok, and it's easy to submit the bills. I would highly recommend this service to anyone with a four legged family member!

I have had a lot of dogs and this is the first time that I purchased insurance. After eating something toxic her body started shutting down. The bill was a little over 600.00 and they covered all of it less the deductable. There was a little problem communicating between the company and the Dr. but they were diligent about working it out quickly. Great customer service.

I have had Embrace for 2 years and I am very happy with their service. Most reimbursements are fast and deposited into my bank account. My one complaint is: My dog is 12 years old and the renewal increase was over $100 per year. That was over 100% increase, when the advertise 8-10% annual. If you have a pet, I would still recommend Embrace insurance.

I have never been with a company that is so fast friendly and reliable. My best friend Little Star could not have a better insurance company on her side. The photo contest you are running now Is pretty cool also. My companion has already received votes. Keep up the great job!

My dog needed surgery for glaucoma and lens subluxation in both eyes (two separate surgeries). I checked with Healthy Paws multiple times as the case developed to ensure that the surgeries would be covered, and in every interaction, Healthy Paws staff were efficient, helpful, and reassuring. My claim was processed swiftly and I received a reimbursement check in the mail a few days later. The small premium I pay Healthy Paws each month has proved to be more than worth it in terms of my pet's health and my own peace of mind. Highly recommended!

We have since left Nationwide since we were told today that no surgery coverage takes effect for 1 year from policy purchase date. So anything that happened to our puppy in the furst year is deemed pre-existing and won't be covered. They denied our initial claim for a dislocation in his front leg from a fall because he was previously seen by a vet for a dislocation of his hind leg that occured while he was running through a field. Basically they will collect our premiums and deny all our claims. No thank you.

Nothing but amazing things to say about this company. Stay away from providers that cap payouts. If you love you furry friends then HealthyPaws is an awesome choice. We have had major surgeries and emergencies for both our dogs and have received nothing but fast, friendly and carefree dealings.

I have another pet insurance that I still pay for from New Jersey for my other dog there. when I came to Hawaii and got another dog at Animal House Pet Center in Ewa Beach They mentioned Embrace and others. I picked Embrace and have been totally satisfied and wish I could change my other insurance from New Jersey to Embrace.