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I have a dog covered under a different insurance company. The policy covers eighty percent of the medical costs. When I signed up with them they were upfront about not covering my dog's knees for the first six months. This eliminated any preexisting clauses for this condition. Now to Trupanion...A friend recommended them based on a positive experience. They cover ninety percent of costs so I thought I'd use them for my other dog. Signed up, asked them when my policy would be in full force, was quoted a date, scanned the policy figuring they would be like the policy on the other dog...wrong! The dog took a wrong turn in the mud and came up lame. The vet did radiographs and said the ACL had a tear. So I sent in the claim and got rejected. After several lectures from the Trupanion staff I canceled the policy. It seems that in their "not covered" areas are those tricky pre-existing conditions. Unfortunately for the pet owner most times the only way you know you have a pre-existing condition is to have your pet checked, which with this company would include: illnesses or injuries that occurred or began within the 18 months prior to the policy enrollment (even if they are not in your pet's medical records), luxating patella, cranial cruciate ligament tear, glaucoma, entropion, ectropion, elbow dysplasia, cataracts, cherry eye, hip dysplasia. So, in other words, you better know the insides of your dog because this company has a bunch of legal loopholes to jump through so they won't have to cover you.

My constant companion has had a few bumps in the road during his 6 years at my side. The latest was the scariest and most difficult to isolate. After several days in-and-out of the vet's office, I was able to nurse him back to his playful self. As one might guess, the diagnostics and treatment were not inexpensive. Thankfully, Healthy Paws didn't flinch when the bills rolled in. Like other claims made, fairness and timeliness were paramount. I recommend Healthy Paws to every pet owner I meet. When things are fine, it's easy to put off the insurance. But, buying the insurance is the most affordable and prudent thing one can do, especially since our pets are our constant companions and deserve the best always.

I have coverage for my dog through Embrace and have nothing but positive things to say. Claims are processed quickly, the coverage is great, and the wellness plan is awesome!

We purchase Pet insurance for our new puppy the beginning of January not knowing that we would be using it less than a month later. Sophie had an emergency blockage. Very satisfied with the speed of the claim and happy with the amount we were paid. Just a little disappointed that some items were not paid at the full price because of excessive charge by the hospital? This was an emergency condition and we could not "shop" pet hospitals with the "best" prices. Other than that we were satisfied.

We had two cats whom we loved like children. In 2012, our cat Simon developed diabetes and required insulin shots for several months before passing away. In 2014, after many months of treatment for pancreatic disease, his brother Alvin passed away. Both cats had very expensive treatment, and we learned that we would have been better off financially had we had health insurance. We adopted two new rescue kitties in 2014 - Sherlock and Lucy Lu. As soon as we did, we purchased ASPCA health coverage for all of our cats - the two new babies as well as Simon and Alvin's younger brother Theodore. We have given ourselves peace of mind. We know that we can give our cats proper health care. Our coverage not only takes care of them when they are ill, but they are also covered for "well cat" checkups. We love our cats like they were our children, and ASPCA Health Coverage allows us to provide proper health care for them as if they were our children. We have been very happy with the ASPCA Health Care coverage.

I learned my leason from a previous dog we had without insurance. When we rescued the new puppy, I decided to get pet insurance. After a lot of research, I decide to go with Embrace. Their customer service reps are very nice and caring. I filed one claimm after my dog eat something he shouldn't have. They send me the check within days of filing the claim. This is the best peace of mind insurance.

We have had a wonderful experience with Embrace. Our last dog cost us a ton of money so with our new puppy we decided we had to have pet insurance. Embrace insurance came with our puppy when we adopted him from Helen Woodward Animal Shelter and we are so glad it did. He just turned 1 and after one visit to the ER we had used up our deductible and got a lot of our money back. Now every time we have to go to the vet for an illness we get a check in the mail after easily submitting a claim. I don't want this year of coverage to end, but feels good to know that each year there is a limit that we will have to pay on vet bills!

we are extremely pleased with healthy paws. we rest assure with our engllsh lab that we have healthy paws to help through the hard times and ensure his health and happiness. thanks

Bought pet insurance for our puppy as soon as we got her. Very reasonable and affordable. She broke her tibia when she was 4 months old..we were out of state when it happened and had to see a local vet that wasn't our own. Then we saw our own vet when we got home, and went to a specialist after that. I was concerned that Embrace might give us a hard time about all the different visits but they covered everything no questions asked. We felt so fortunate to have insurance so that we could opt for the best care possible for our baby without having to worry about the cost. Lastly, they have followed up on more than one occasion to make sure we received the payment on our claims.

Our 5 month old French Bulldog took it upon herself to swallow a small plastic cat toy which she was unable to pass, but clearly was causing her some distress. She was seen by our vet on Monday, in the hospital on Tuesday, claim filed on Wednesday, reviewed and approved by Thursday. I cannot speak highly enough about the ease, efficiency and simplicity of the whole process and the clarity and fairness on their statements of what is and is not covered. Highly recommended.