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After 8 months of dealing with sleepless nights while Wedge • gasping while sleeping • 24 runny nose 3 surgerys later, Soft palate trimmed, Rhinoplasty and Sliding Hernia operation I am now comfortable to report that our crazy, awesome, funny, lovable pug is finally sleeping with reduced gasping, no runny nose, he can breath 1000 times better, he isn't sucking his stomach in. Bonus his breath doesn't smell bad anymore too. He is almost back to normal. Thank goodness for the decision 8 years ago to sign up for pet insurance. Trupanion has helped out on all surgerys. What could have cost us $8k or more. Cost $800.

My dog was diagnosed with heart failure almost 2 years ago. The medications, xrays, bloodwork, echocardiograms, etc. cost thousands of dollars. Trupanion paid 90% of the costs and the money was usually in my account before my credit card bill came in. I'm not sure I could have afforded such wonderful veterinary care without them. I chose Trupanion (vetinsurance) because there wasn't a limit for each category of care/diagnosis.

My dog was diagnosed with heart failure almost 2 years ago. The medications, xrays, bloodwork, echocardiograms, etc. cost thousands of dollars. Trupanion paid 90% of the costs and the money was usually in my account before my credit card bill came in. I'm not sure I could have afforded such wonderful veterinary care without them. I chose Trupanion (vetinsurance) because there wasn't a limit for each category of care/diagnosis.

PBI does a good job of responding to claims. But pet insurance has a long way to go in order to be comparable to human health insurance. And it needs to be!

I recently switched to Embrace for my 5 year old Lab, and not soon after our waiting period he started problems that had him hospitalized for three days. The bills were outrageous!!! In the past I would have never recouped even a 1/3 of what I paid out, but Embrace was GREAT! They paid the claim almost in full without delay and saved my family's holiday season. I have told all of my family and friends about them and will continue to sing their praise.

I was looking at a number of Pet Insurance options, I was even wondering if it was worth getting... A few months after I had selected Healthy Paws, my dog had some stomach issues, needed some medicine, a few exams etc. Not a terrible amount so I didn't rush to submit claims... Not longer after she had a growth that the doctor insisted be removed. I had it done with no hesitation but in the back of mind worried how it would be done with the insurance...Not more than a week after I submitted the claim, I received the reimbursement for all the expenses. (It probably would have been faster but it took me a day or two to get a copy of the records). To top it off, a few days later I even received an e-mail checking up on my pup, this just made my experience all the more positive. I strongly recommend Healthy Paws to anyone who is considering getting pet insurance.

Duke, our 14 month old Great Dane/Boxer Mix we adopted was in the ER Hospital due to GI issues 3 different times within a 2 1/2 week span. After extensive tests, Duke had ate the covering off a toy and it was stuck in his lower intestine, it passed thankfully. He did not have surgery, but the vet bills accumulated to over $4500. We had just passed our starting coverage period and I was not sure Embrace would come through, but they did with no problems. We are so thankful to have Embrace Insurance, they have been a wonderful company to work with and we are so pleased with there timeliness of response in working claims. HIGHLY RECOMMENDED!

The only reason this company does not get a 10 is that they do not cover teeth cleaning. Other than that they are the best . I haven't been paid on the highest claim yet, but they will cover per telcon.

The only reason this company does not get a 10 is that they do not cover teeth cleaning. Other than that they are the best . I haven't been paid on the highest claim yet, but they will cover per telcon.

I have 4 pets with coverage. I've had minor things happen, and lately a bigger deal when my dog was diagnosed with hemmorhagic gastritis and vomiting. We had him to the vet several times for everything from diagnosing, treating, hydrating, ultrasounds, special diets, and internal medicine consults. We are arond a $1,300.00 bill so far, and not done yet. After submitting a very simple form after each visit, we were re-ibursed 90%. That's it. It was that simple. No arguments or hidden problems, just our money back. I've had the same experience every time I've submitted a claim. No hassles, no questions, no worries. The only drawback I can see is that my dog will require a more expensive prescription diet for life, and the insurance only covers 50% of that cost and only two months of coverage is allowed. That's kind of frustrating, Very, very happy with the coverage over all though. Took the stress out of giving my pup the things he needs to get better. I highly recommend this company.