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Trupanion sends and email when they receive my claim and when they process the claim. Both emails usually arrive the same day. I get the reimursement in approx 1 week from when they receive the claim. Every time I call I get a live person answering the phone. If I send an email I get a response the same day or next day. Overall awesome insurance company. Better customer service and ease of use than health insurance for people!

Our vet has a wellness program through another major insurer. They offer a 20% discount on their medical coverage if you have the wellness plan, so yesterday, for the first time in a few years I compared all the major plans and benefits. I was reminded of why I chose Healthy Paws in the first place. They cover so much more (hereditary, congenital, dysplasia etc.) and don't have complicated limits. Healthy Paws has NO LIMITS so if a an expensive illness occurs (cancer, diabetes, whatever), I Even though HP costs a little more total for our 7 cats, I had no choice but to stay with Healthy Paws and signed up our newest kitten withthem. I love knowing that whatever happens, we will be able to afford good care for our cats when they have a problem. They always pay quickly. Also, my friend told me that the other insurance company (VPI) told her that after 6 months without a UTI her cat would be covered again for UTIs if she sends a letter requesting a re-evaluation of coverage. She did just that and received a response that no, they will not ever cover any UTIs. I also asked this same question when I was comparing, and told the same thing. The guy made it sound like no big deal, they do it all the time. BS. Now she is switching to Healthy Paws, too. Based on 3 years of experience with them, I know that what Healthy Paws tells me, will be what they actually do. Thanks Healthy Paws!

When I purchased Embrace pet insurance for Sage, I never expected that I would have to file a claim for cancer. We had our first dog die of cancer in 2009. At that time we had a different insurance policy. When we lost our first dog, I was sensitized to the canine cancer issue and had Sage tested every way that I could think of for possible Cancer. He was tested even for bone cancer. At that time he had no signs of cancer. I did this because many of the articles I have read stated that more dogs die from this often because veterinary medicine often does not diagnose it in its early stages. So, I was shocked, horrified, and very afraid when the vet told me that there was a possibility that Sage had cancer. This was confirmed two days later. Sage has always been the one who looks out for the other family members. He intervened when one of our cats was attacked by another dog. He took charge of house training our new puppy, Rose, when she joined our home and did an outstanding job. If he hears one of our cats make nervous noises even if they are outside, he is the first one to investigate. So, he is an honored and loved member of the family. I was given three possible referrals from our vet, Dr. Hong Park and chose CVS, (California Veterinary Specialist) for the cancer evaluation and treatment. The staff and physicians there have been very comforting. We normally see Dr. Fitzpatrick and Maggie, the nurse/ vet assistant when we go to CVS. Through them I learned that Cancer treatment for dogs and cats is a little different than the treatment we think of when we think of the image of the “human cancer patient through the years.” I was afraid that I might cause more unnecessary suffering by treating Sage. This was not so. Treatment allowed Sage to perk up more than I’ve seen him for quite a while. Treatment has improved his quality of life tremendously and his quality of life will even improve more when treatment has ended. It is felt that Sage is in remission due to the treatment but he must finish the course of treatment to ensure that remission is stable. It was comforting to know that Embrace would cover the treatment of Sage’s cancer. Starting treatment had some difficulties because Embrace is a reimbursement insurance and the cancer caught me and our family unawares. However, once treatment was started and I received the first insurance payment, Embrace has served to smooth the way for Sage’s future treatments and any follow-up car

My dog used to have the other big pet insurance. I let it lapse by accident, so needed to shop around for a new insurance. I'm so glad I switched. Embrace has been great. They are usually quick to pay claims. My 11 year old had to have a mass in her liver removed. It was thankfully non-cancerous, but we wouldn't have known unless we biopsied it. They did take a while (about 7-8 weeks) to pay this large claim of $3033 (20% of the total). However, I felt that the customer service reps tried to keep contact with me throughout. Whenever I contact Customer service, via email or phone, they are very friendly and seem genuine in wanting to help me.

Great customer service, easy to get a hold of them. They don't treat it like a business they are actually very compassionate and follow up to make sure your pet is okay. My claim was a complicated one but they were very accommodating and made the process easy on my end. When they received our medical information they arranged payment right away.

Great customer service, easy to get a hold of them. They don't treat it like a business they are actually very compassionate and follow up to make sure your pet is okay. My claim was a complicated one but they were very accommodating and made the process easy on my end. When they received our medical information they arranged payment right away.

It took over 5 weeks to get my illness claims settled and that was after contacting Embrace more than two times and they "supposedly" expidited the claims both times. I also do not like that they no longer offer the Explanation of Benefits letting you know what was covered and "why" they did not cover something else. The way they do it now we are at their mercy to "take what they give us" as the amount we are supposed to be paid. I wish they would go back to the way they used to process claims which was faster and more accurate than this "new quicker" claim processing which it is not.

Brody our yorkie was run over by a car fractured broken pelvis. He was only 6 months old. EMBRACE was very prompt and very easy to file claim with. They really came through!

My recently adopted 3-year-old male tabby had excessive licking and hair loss and after one trip to the vet's and several dietary changes, we decided to have him tested for allergies. The test was very thorough but also quite expensive and, as promised, Healthy Paws covered 90% of the cost of the test and prescription medicines. We are very happy we signed up for pet insurance with Healthy Paws. Very satisfied clients.

Trupanion has been great so far for my 7 month old puppy. They were very fast with the claims and provided detailed reports on what was approved and what wasn't. It was also very nice that they have direct deposit. :)