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As the proud parents of a 12 year old Yorkie we have used the insurance many times. When we added up the normal cost of vet care over the course of a year we realized that money could be used to purchase insurance that covered a good portion of the cost plus left us insured in case of a serious issue.

We had a scare with our 2.5 year old Bernese Mountain Dog over the weekend. He just wasn't acting himself, nothing in particular. Took him to the vet on Friday. His physical was suspicious for a disc problem. We were immediately referred to a specialty clinic. He was seen Friday night, and stayed overnight for an MRI scan. The claim for that visit was submitted Sunday night. On Monday we got the check for the Friday night visit. Just a few minutes ago (Tuesday night), I got the email that the check for the weekend visit is in the mail. Remember this calim was submitted less than 48 hours ago. These folks are simply incredible. A couple of things differentiate them from most of the other insurance companies. Most importantly to me is that there is no annual or lifetime limit. Almost as important is that the deductible is annual, not per incident/illness. They have recently released a smart phone app. to submit a claim, you just take pictures of the invoice and exam with your phone hit send and that's it. It couldn't be easier. For our first two Berners we had different insurance, but were not impressed with the amount of reimbursement, as they worked from a fee schedule which was unrealistically low. I did a lot of research before we went with Healthy Paws and thought they were likely the best. My experience over the past three years has proven my initial opinion right. Theya re a top notch company that does exactly what they say they will do. It has never taken more than 4 days to receive the check. (admittedly part of this is due to the fact I live about 40 miles from the "mother ship")

I have had healthy paws for a few years now and haven't really had to use it so I wasn't sure how it would all work. Then my dog ruptured a disk in his spine leaving his back legs paralyzed. He spent the night in the emergency room and the next day he went into surgery. The whole thing ended up costing $5300. I still would have went through with everything even if I didn't have insurance for him but its a breath a fresh air to get that check. Also I sent the claim in and a week later I had my check in hand. They sent me a message asking how oscar was after his surgery. They really treat you like family!

Petsbest is a great organization that assisted in our pets processing for his illnesses.

In late October of this year (2014), I took my 3 year old dog into our local emergency vet when he started acting very lethargic. After having x-rays and blood work done, they found that his chest had an excessive amount of fluid in it and that the x-rays showed possible lung lobe torsion. The emergency vet told us that we needed to take our dog to a specialist as they didn’t have the facilities to take care of such a dangerous situation. I took my dog to a specialty vet hospital in San Diego that we have used many times in the past. The vets there confirmed that my dog did have lung lobe torsion and would need a left cranial lung lobectomy. At that time, it was also determined that the fluid in the chest was consistent with chylous effusion. Both of these issues left unresolved would have killed my dog within a short amount of time. His doctors felt that if they could fix the lung lobe torsion then there was a good possibility that it would also stop the chyle fluid from leaking into the chest. Two weeks later, the doctors found that the clyle fluid was actually getting worse and not better. This meant going in on the other side of his chest for another major surgery to do a thoracic duct ligation to stop the chylothorax. At the time of this review, I still am not certain if the chyle is still leaking into the chest as x-rays are pending in about one week. My dog is home and recovering very well. He has huge scars on both sides of his chest from two major surgeries. The current total cost of my dog’s medical bills from the time I took him to the emergency vet up until now is $31,477.71. Yes, over $30,000. My Healthy Paws coverage on my dog has a $250 deductible and 90% reimbursement. Each and every time that I got an invoice from the vet’s office, I took a photo of the invoice the same day and used the Healthy Paws app to submit my claim. That’s it. Take a picture of the invoice (in my case I had multiple pages) and send it off. Within 12 hours I would get an email from Healthy Paws that said they had received my claim. Within 24 hours I had another email that said that my claim had been completed. Within 6 to 7 days (not working days but actual days) I had a check in hand. They never refused to pay for even one item on any of the invoices. Without Healthy Paws, I would’ve been in debt for many, many years to come. I’ve had to take many dogs to the vet and I’ve always hated that time when someone from the front office a

Have had my puppy insured for about a year now. She recently had to have a pretty major surgery on her knee. The customer service I received was amazing. They were very interested in what was going on with the dog and were quick to reimburse. The most impressive part was once the claim was done and taken care of they followed up just to check in and see how the dog was recuperating. Would highly recommend them!

Trupanion processes and reimburses my claim very quickly and accurately. I would definitely recommend them to anyone interested in insuring their pet(s).

Trupanion processes and reimburses my claim very quickly and accurately. I would definitely recommend them to anyone interested in insuring their pet(s).

I can't say enough good things about Pet's Best! We have had multiple ER and vet visits in the last 4 months for a cat with urinary problems, including a costly surgery and Pet's Best has reimbursed quickly and without difficulty. I am honestly shocked at how great it is. I have been telling everyone around me who will listen!

Embrace initially denied my claim because my dog was stung by a bee before having coverage resulting in hives. She was allergic to the bee which most dogs are and I had called my vet on how to proceed with how much benadryl to give. When the the hives didn't clear up as fast as I wanted my vet told me to come in for a steroid shot even though another dose of benadryl probably would have done the trick (I was a new pet mum and a worrier so he wanted to ease my mind). This was documented in her vet records so Embrace had it in their notes. My girl got sick two months back with a very rare autoimmune disease that initially presented as hives, SHE WAS NO WHERE NEAR A BEE AT THE TIME MIND YOU. But none the less her claim was rejected by Embrace because this was considered a "pre existing" condition because apparently she is NEVER allowed to EVER have an allergic reaction to anything ever again even though this was not even remotely related to a be sting. So her condition worsened and what started as a simple case of hives turned into a resistant staph infection and then ultimately a rare autoimmune disease called Erythema Multiforme which could be fatal. I was up to 3,000 in vet bills at this point. Embrace had started to cover the SOME of the staph infection and the EM but waited weeks upon weeks to even look at my appeal. I got an email saying that the appeal would take 10-15 business days, but then found out they did NOTHING until day 16 when they FINALLY sent a request to my vet asking what the allergic reaction was!!!! They already had ALL of my vets records!! From the day she started seeing him!!! They rejected the claim because of the allergic reaction!!! I was furious, I called costumer services and they had NO ANSWERS for me what-so-EVER. FINALLY after 23 BUSINESS days and two 1/2 months after me submitting the original claim the denial was reversed and I did get coverage and then all new claims were able to be processed and I was able to get coverage for the staph infection ones they weren't covering and the "hives DX" ones that hadn't gone into appeal. So even though it was frustrating and I hated dealing with them, I am very glad I had coverage because they covered 80% of my bills and I would be lost without that money right now! It was way more of a hassle than it needed to be and at times I wanted to scream and more then once I did, but I am truly grateful to have the insurance.