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My Biewer Yorkshire Terrier, Margo turned a year old at the end of September 2014. She had been very healthy up until the past couple of months. After tests, x-rays and a CT scan, Margo was finally diagnosed as having an extrahepatic portosystemic liver shunt. This is an abnormal connection between the portal vein and systemic circulation. Her condition required extensive testing, surgery and several days of hospitalization totally close to $6000. It is so rare to find a company that is as efficient and honest as Healthy Paws. I was able easily scan and upload ALL of Margo’s bills. I received an answer within 5 days and payment in less than 10 in all cases. Everything was covered exactly as promised. I have made recommendations to friends, my vet and the hospital where Margo had her surgery. My husband and I are recently retired and it would have been quite a financial hardship to pay for the care and procedures that Margo required. We are so thankful that Healthy did exactly as promised. I had an account with different pet insurance company for my older dog. This policy was more expensive and was supposed to cover certain preventative issues. While Ollie was never ill, everything we submitted was questioned. The amounts covered were not even close to the amount billed and the payment system was extremely slow. Our vet originally told us that she could not recommend any pet insurance company because so many clients had issues; however, she had never heard of Healthy Paws until I showed her our statements and the benefit contract. She now feels comfortable recommending Healthy Paws. I am so happy that I now have this insurance for both of my dogs! Margo’s illness was such a big shock but thanks to Healthy Paws, it will have a happy ending.

I tend to believe that we all experience people/companies/customer service differently, and that one person's glowing review will be another person's miserable experience. This is one of the latter; I chose Embrace precisely because of some glowing reviews I had come across. Timing or events, however, conspired, and by the time I was able to file a wellness claim, they had apparently upgraded the software they use to process claims. Instead of the 5 to 10 days, it has nearly been thirty days, and I am entirely fed up. Since I rescued two cats from a kill shelter, I needed the wellness reimbursement to enable other bills to be paid and unfortunately, all I got were excuses about the upgrade. I then came across a series of extremely negative reviews about reimbursements and coverage, complete with contact numbers for the Attorney General of the relevant state and the Better Busienss Bureau. I wrote, politely, to cancel the policies on the 15th. I just received an email giving me a head's up that they hadn't gotten the ACH payments canceled because, per the author of the email, I had only canceled last night. To say that I am livid would be an understatement. IF the payments are processed, which is actually likely, I will also end up paying overdraft fees because, thanks to not having been reimbursed, I had to pay out of pocket for my two cats who WERE covered, as well as more out of pocket care for the rescued kitten, who needed her second immunization. If you go with Embrace, speak to a human being and then get everything nailed down in hard copy. I am so not impressed, and even when I first expressed the urgency of getting the claims processed in the promised 5 to 10 business days, I got zip reassurance or action.

My eight-month old puppy developed a bad limp and was examined by our regular vet. She needed special surgery for her leg and we went to a wonderful Vet some 2 hours away. The surgeon was wonderful and even more amazing was the service and coverage from Healthy Paws Insurance. Healthy Paws covered 90% of the costs, the x-rays and the surgery. We were so glad we had bought Pet insurance for the puppy (thinking she would not need it for years to come). Thank you, Healthy Paws and Dr. Cannon for making the experience a pleasant one for puppy and us.

We signed up with Healthy Paws when our Newfoundland pup was about 5 months old. It was without a doubt the wisest financial decision I have ever made. Unfortunately, we have relied on them heavily in her first couple of years. They have paid 90% of every claim we have submitted, including treatment for giardia, ear/eye infections, removal of a calcerous growth under her tongue, tick paralysis, and most recently, TWO KNEE SURGERIES, because she had torn both of her cruciate ligaments. On top of all that, they are even covering physical therapy to help her recover from the knee surgeries. Here are some of the reasons I love dealing with Healthy Paws: 1.) When I call, a real person answers the phone - they understand my question and provide a clear answer. It’s not a “call center” experience; they actually care about animals, are very familiar with their policy, and are eager to help. 2.) The claim processing is VERY FAST and painless - usually less than a week between the time of treatment and when I receive the reimbursement check. 3.) They have never denied coverage. Their website is very straightforward, and they clearly lay out everything that they cover, including alternative treatment. Before we scheduled our dog's knee surgeries, I called HP a few times just to make sure they would actually cover both of them, since it sounded too good to be true. They promised they would, and they quickly came through for us. 4.) There is no incident limit, nor is there a lifetime limit. Some of these issues can add up extremely quickly, and it’s so reassuring to know that HP will be there for us. The only thing I would do differently next time is get the insurance BEFORE bringing the animal home. We had an incident come up during the waiting period and they were not able to cover it, which was understandable. I cannot say enough good things about Healthy Paws. Our dog is our child and we will do anything to help her live as well as possible . . . but without HP, we would not have been able to afford to fix her cruciate ligaments, and she would have had to live with pain and have extreme difficulty getting around for the rest of her life. We are, and will be, forever grateful to this wonderful company for helping us care for our sweet dog.

I signed up for Healthy Paws when my dog was 12 hoping I would never need to use it. As a senior on a limited income, it was a big deal to add the expense of pet insurance but I considered it to be "peace of mind". About 6 months after I got the insurance, my dog got really sick unexpectedly. Without this insurance, I would have been in real trouble. The people at Healthy Paws processed my claims quickly and the checks arrived before my credit card bills did. The claims process was so easy I could just take a picture of the bill with my phone and send it. With the stress of having a very sick dog, having an easy claims process was a real bonus. I have recommended Healthy Paws to my friends and family and I will buy insurance from them much earlier some day when I have another pet. My dog is doing very well and I am sure he got the best possible care. Healthy Paws was a major factor in providing coverage for what he needed to get better. I am very grateful!!

I wanted to wait until we had Healthy Paws for a while before rating their service and I can honestly say they are fabulous! We got the policy at the same time we bought our vizsla puppy and we got him registered right away. Nothing could have been easier. It's a good thing we got the insurance too, because he had problems from the start. Puppy strangles twice, allergies and problems with his food. We have also been to the ER vet three times! Every single claim was handled super fast, I was reimbursed quickly and their service has been amazing. I cannot say enough great things about Healthy Paws!! It is SUCH a comfort to know that, when the worst happens, I'm covered.

I went to my local Vet who treated my poodle. All was well for that problem, until the next day and my poodle could not get out of her bed. I carried her into the local hospital. She walked out on pain medicine and antibiotic meds. and tests to rule out diseases. Healthy Paws came thru with what I had expected no strings attached. They even emailed me to ask how she was, communicated how my claims were being processed and sent the check.

We adopted a 5 year old Beagle mix in September, 2013. Because she was a rescue, she had very limited medical records when I applied for the insurance and was thrilled they accepted her. She tore her right CCL in May, 2014 and tore her left CCL in October, 2014, both requiring surgery. In both instances, the claims were processed within 5 days and I had check in hand within 10 days. The bills totaled about $9,000 for the two surgeries and Healthy Paws paid 80%. We feel so fortunate to have this insurance. Thanks, Healthy Paws.

My 4 year old Nina required surgery after being mauled by a 60 lb dog. When I called for preapproval I was greeted with a very compassionate support person and within an hour received a call back with great news that Nina's surgery was approved and everything would be covered at 90% less the exam fee and deductible of $250. Unfortunately my Nina did not survive the surgery. Nina was our second family pet. We did not have Trupanion when we owned our first pet. After having experienced such a tragedy with our beloved Nina, we will never own another pet without having Trupanion on our side. The peace of mind that we had by having Trupanion is absolutely priceless. The rates are very reasonable and the staff is amazing. I have no complaints about how our claim was handled.

My 4 year old Nina required surgery after being mauled by a 60 lb dog. When I called for preapproval I was greeted with a very compassionate support person and within an hour received a call back with great news that Nina's surgery was approved and everything would be covered at 90% less the exam fee and deductible of $250. Unfortunately my Nina did not survive the surgery. Nina was our second family pet. We did not have Trupanion when we owned our first pet. After having experienced such a tragedy with our beloved Nina, we will never own another pet without having Trupanion on our side. The peace of mind that we had by having Trupanion is absolutely priceless. The rates are very reasonable and the staff is amazing. I have no complaints about how our claim was handled.