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I've always had great experiences with Trupanion. My 2 1/2 year old dog has had a series of unusual health issues since he was a puppy. My Vet also has direct billing with Trupanion so I only have to pa my share up front.

I adopted my cat, Holly, from a shelter three years ago; I was told she had no health problems, and was a healthy, happy kitty. From the first week I had her home, though, my baby has had one health problem after another. I couldn't send her back to a cage, though, so I kept her, hoping with lots of love she would get over her problems and settle down and feel better. For a long time, she actually was better, but this Christmas she got VERY sick...........and I've had to take her to the vet multiple times for multiple tests and medications. We've both been stressed to the max, Holly not feeling well, me WATCHING but not being able to HELP Holly feel better.........and then the vet bills on top of it all. If it weren't for Trupanion staff members to talk to and calm me down, reassure me that I'm doing the best for Holly, I'd don't know where I'd be. If it weren't for Trupanion covering almost all of Holly's health care costs, I would have had to give her up to a new home weeks ago!!!!!!!!!!!!! THANK YOU SO VERY MUCH to Trupanion...........for your kind workers, for helping ME through this stressful time, for paying for Holly's vet bills!!!!!!!!!!!!!!!!! Thank you for not making me choose between trying to make Holly better, or giving her up to someone else!!!!!!!!!!!!!! I had another pet care insurance for my first cat, and I know they would NOT have covered this much!!!!!!

I adopted my cat, Holly, from a shelter three years ago; I was told she had no health problems, and was a healthy, happy kitty. From the first week I had her home, though, my baby has had one health problem after another. I couldn't send her back to a cage, though, so I kept her, hoping with lots of love she would get over her problems and settle down and feel better. For a long time, she actually was better, but this Christmas she got VERY sick...........and I've had to take her to the vet multiple times for multiple tests and medications. We've both been stressed to the max, Holly not feeling well, me WATCHING but not being able to HELP Holly feel better.........and then the vet bills on top of it all. If it weren't for Trupanion staff members to talk to and calm me down, reassure me that I'm doing the best for Holly, I'd don't know where I'd be. If it weren't for Trupanion covering almost all of Holly's health care costs, I would have had to give her up to a new home weeks ago!!!!!!!!!!!!! THANK YOU SO VERY MUCH to Trupanion...........for your kind workers, for helping ME through this stressful time, for paying for Holly's vet bills!!!!!!!!!!!!!!!!! Thank you for not making me choose between trying to make Holly better, or giving her up to someone else!!!!!!!!!!!!!! I had another pet care insurance for my first cat, and I know they would NOT have covered this much!!!!!!

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!

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.