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This is (unfortunately) our second major surgery with our yellow lab, who is only 3 years old (not including his neutering). Trupanion has been absolutely wonderful! Our bill was 90% covered, and a check to us was cut within a week, making the financial strain not a factor as we worried about our furry child. This time around, we also wound up having three follow up visits due to an infection, and yep...those were covered, too. We did not have pet insurance with our first dog (a chocolate lab), mostly because at the time pet insurance wasn't really around, and we calculated that we probably spent about $10,000 over his 15 1/2 years due to his chronic ear infections. The money we pay each month for Trupanion's pet insurance is the best money we have ever spent! Needless to say, we hope to never need Trupanion's services again, but knowing our lab.... It's comforting to know that should we need it, Trupanion is there to help!

Easy online sign up and coverage selection. We've had our two dogs covered for about one year when our female tore her ACL. After receiving all of her surgery information, Healthy Paws kept me posted on her claim process, and came through with the claim payment on time and as promised. Follow up emails checking on her recovery were personal and pleasant. I have recommended Healthy Paws to many of my friends already.

I like the model of the coverage here - basically the premiums are reasonably low and the coverage only kicks in if your bills go above a certain amount. This works well. Everyone I've dealt with, by phone or email, has been really pleasant and helpful. The paperwork to file a claim is a lot more onerous than VPI, which is where my elderly cat is insured (couldn't move him over to Embrace, he was too old to start over). For VPI, you just copy the bill and write a short explanation on their form. For Embrace, I had to get my vet to do it and then they even went back to my vet's for more info. It was a real nuisance for my vet and required a full couple of hours of staff time. Fortunately I'm a really good client so they were willing. But it was a pain, no question. So, based on the reimbursement model and the customer service, I'd recommend Embrace to other people who have basically healthy animals and a good relationship with their vet that can withstand these P-I-T-A requests for information.

Healthy Paws makes the entire process so easy. Signing up all the way to submitting invoices and being reimbursed is so easy and very simple. If you have a pet who loves getting in trouble, get Healthy Paws!

My 6 year old Maltese went to the doctor for an examination and wound up having emergency surgery simply due to her nerves! It was so unexpected and scary because she was unable to breathe. The hospital fixed her up, ran some tests and got her back to health. I submitted my claim to Healthy Paws. I was so impressed with the speed, proficiency and empathy that was shown in the handling of my claim. Not only was "Buttons" fully covered for her problem, but the staff followed up regularly inquiring about her health and sending her hugs. I have spoken to other insured pet owners who have never had such a positive experience as I have had with Healthy Paws. I have my 2 dogs covered by them and would recommend them to anyone!

This was my first claim for my first dog. I researched a lot of pet insurances before settling on this one. I was very happy with the process and my refund. Thank you and I've referred a friend to you.

I was somewhat skeptical about whether pet health insurance was "worth it," especially for 2 young, relatively healthy cats. However, when one developed a serious breathing problem, the costs of testing and medication quickly added up. I was nervous that I would have to fight to get the costs covered, but ASPCA Insurance covered a large portion of my costs. The process was quick, easy, and everyone I talked to was very helpful. It is so nice to know that I do not need to compromise on my cats' heath care because of concerns over the costs of procedures.

The best advice I can give to any pet parent is to get pet insurance on your dog/cat as soon as you adopt them. I waited to get insurance until my dog Rocky was 8 and our dog Rilo was 2. About 10 months after I had the insurance the vet found a mast cell tumor (cancer) on our dog Rocky's leg. Long story short the total cost for everything was nearly $4,000 but I opted for the 90% coverage so it was mostly taken care of by Healthy Paws. The good news is the removed all of the cancer, no signs of spreading and Rocky is in the clear. It's such a huge relief to know that we don't have to worry about medical emergencies or illnesses for our 2 dogs. I typically receive a check within 5 days of filing the claim via Email. That's incredibly quick. I researched pet insurance for months before I finally decided on Healthy Paws. I'd definitely recommend them.

With my second cat clemmentine we had several occastions to submit claims and we loved the fast service. My new cat black berry no claims she is very healthy

Our rescue dog developed weakness in her hind end and began turning her knuckles over when walking. An MRI revealed she had lumbosacral disease. Her symptoms were caused by compressed nerve roots in her spine causing a tremendous amount of pain. Embrace was quick to approve the precertification for an MRI. Surgery was required to relieve the compression. Embrace sent us their portion of the reimbursement very quickly. If we did not have Embrace we could not have provided the care our dog so desperately needed to relieve her pain. I also can't say enough about the customer service. The Embrace staff is always very friendly and ready to help.