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We adopted our dog Tucker four years ago and last April after a minor health scare (allergic reaction) we decided to take the plunge and purchase insurance for him and our other dog. Over the Christmas holidays Tucker started getting sick (vomiting) and after several panicked trips to the emergency vet an ultrasound reveled a foreign body that needed to be removed surgically. Healthy Paws covered exactly what the policy said they'd cover which was 90% of everything less the exam fees. It took under the ten business days they promised to get the check out once we'd submitted our claim, really appreciated that. Each time we called with questions they answered them succinctly and clearly and went the extra mile to help us track down Tucker's previous medical history (we'd adopted him while serving in the military and his records were spread over several states). A tip to other pet owners: when you contact your veterinarian's office for records ensure they end you the narrative treatment history not just the invoices, the treatment history is necessary for reimbursement. Healthy Pets followed up with us inquiring about Tucker's health which I thought was nice. Bottom line: they covered exactly what the policy claimed to cover and got us our reimbursement in less time then they promised so we'd definitely recommend them to other pet owners.

I had to learn the hard way about having pet insurance but luckily I did. I have three cats insured with Healthy Paws and never had an issue, but of course I never had to file a claim. Then came TobySky. A beautiful husky that was left for dead. I was nursing him back to health in hopes of adopting him out. I knew I needed insurance but lets face it an old dog getting insurance??? I was skeptical but determined. I made sure Toby had all of his shots and got blood work, with a clean bill of health I applied to Healthy Paws and they accepted him with open arms. It wasn't a moment too soon because a few months later Toby developed dry eye syndrome and while on medication, his beautiful blue eye developed a deep ulcer (a complication that apparently can happen with dry eye). The day I found out I had to rush him to the emergency hospital and his eye was operated on. The bill was $2700. Without insurance he would have lost the eye as I would not have been able to afford the surgery. When I submitted the claim I was nervous, wondering if they would find some kind of loophole not to pay, but within 24hrs I received an email the claim was processing and another 24hrs later it was processed. Two days! Totally unheard of for insurance but that wasn't the end, a few days later they sent me an email just to check in on Toby. I am very fortunate to have found Healthy Paws. I am happy that all my pets are under them, the peace of mind is priceless. BTW we have decided to ke

My dog Gracie has had three surgeries. An episioplasty for continual vaginal infections, a ruptured liagment on her right knee and a ruptured ligament on her left knee. Each time Healthy Paws has processed, approved and paid her claims within 72 hours. Gracie was a rescue puppy and not knowing her background I decided to get insurance. It turned out to be a wise choice. If you are considering getting pet insurance look no further. This company has the best customer service I have ever experienced!

I have had my pup since he was 9-10 weeks old. He is currently 10.5 months old going on 11 months soon. He had a case of puppy papilloma. Essentially puppy pimples that dogs usually get when they play with other dogs and is normal in a growing well socialized dog once in his early lifetime as he or she will build an immunity to it afterwards is what I have learned. My vet said it should go away on its own naturally or I could use meds to help it along, which I did. Took less than a month to receive money back. Embrace is good because they cover vet bill directly instead of comparing your vet's region for average going price for services you get. They also send me money back for wellness coverage really quick within a week. But the 2 times he has had illness claims they have taken long. the first time was November 7, 2013 and we didn't receive money back until December 8, 2013. So you will get the money just be prepared for a month later. Speed of refund is very important to me so I may look elsewhere in the near future while my dog is still young.

Lilly my Boxer chewed and swallowed pieces of a blanket. It got stuck in her jejunum. Lilly became septic and actually died during the first surgery but they were able to bring her back. She did require another surgery, plasma, lot of blood work, lot of medication, and a week stay at the vets hospital. Lilly's bill was just over 4000.00. I could have never afford this without Healthy Paws Pet Insurance. They did not give me any hassle,they handled my claim in just a few days then they mailed me my check and sent e-mails to check on Lilly's recovery. Love you Healthy Paws!

The claim for treatment for cardiac disease was rejected and was received by letter which was extremely upsetting to me. I would suggest in future notify the owner by phone and provide some options sush as to appeal. Once the claim was accepted, the results were excellent. I certainly have had many claims over the 8 years and the payments have been timely and verbal communication has been excellent.

The claim for treatment for cardiac disease was rejected and was received by letter which was extremely upsetting to me. I would suggest in future notify the owner by phone and provide some options sush as to appeal. Once the claim was accepted, the results were excellent. I certainly have had many claims over the 8 years and the payments have been timely and verbal communication has been excellent.

I have been paying $44.+ for some time now. Never made a claim until recently My dog got some sort of skin abrasion that cultured to be a staph infection. Because he had some sort of mention of a skin infection prior (totally non related), they said it was a "pre-existing" condition. NOT!! I even have a veterinarians note to them that it was totally non related. Beware of them pinning everything on a "pre-existing" condition. Just an FYI----their payout to me, after deductible, etc. likely would be around $50 dollars. I have now cancelled my insurance so it really wasn't in the best interest overall. Don't get it!!!

I got my cat from a rescue shelter three years ago. She was looked at and got her shots etc. Her first year she was shy then her second she adapted and became curious and playful and loving. This third year I noticed a decrease in her activity and she was irritable at times swiping and yeowling. I am unable to get out to a vet and had to use the only one in my area that comes out to pick up the cat. I NEVER pick up my cat as she does not like that so I also could not get her in a carrier. The Cat Clinic took care of all that. They did a marvelous job with Suzie BUT the cost was prohibitive at 2700 dollars. You see she had gum and tooth problems and needed her teeth removed. She had four hours of surgery poor girl. Well I paid the vet and took a chance filing with Trupanion. I was not sure if any of Suzie's procedures would be covered but was amazed, pleased and thrilled to find Trupanion covered almost 1700 dollars worth of her vet bill. They were pleasant to deal with and very efficient. NO hassles at all. I would recommend Trupanion to anyone with a pet. It was certainly worth it to me and I will be sticking with them for sure. Check them out - you will not be sorry!

I got my cat from a rescue shelter three years ago. She was looked at and got her shots etc. Her first year she was shy then her second she adapted and became curious and playful and loving. This third year I noticed a decrease in her activity and she was irritable at times swiping and yeowling. I am unable to get out to a vet and had to use the only one in my area that comes out to pick up the cat. I NEVER pick up my cat as she does not like that so I also could not get her in a carrier. The Cat Clinic took care of all that. They did a marvelous job with Suzie BUT the cost was prohibitive at 2700 dollars. You see she had gum and tooth problems and needed her teeth removed. She had four hours of surgery poor girl. Well I paid the vet and took a chance filing with Trupanion. I was not sure if any of Suzie's procedures would be covered but was amazed, pleased and thrilled to find Trupanion covered almost 1700 dollars worth of her vet bill. They were pleasant to deal with and very efficient. NO hassles at all. I would recommend Trupanion to anyone with a pet. It was certainly worth it to me and I will be sticking with them for sure. Check them out - you will not be sorry!