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Our little pug has had four surgeries in her first year. Both of her knees gave out at about 4 or 5 months and then she became a rock eater! Thanks to Healthy Paws we were able to have surgery on her knees (one works great now) and she's perfectly happy to have three good legs. She's had surgeries to remove rocks from her stomach and intestines.If we didn't have Healthy Paws I don't know what we would do. We would never be able to keep this adorable little tripod alive.

Skin issues with a bulldog always seem to pop up and sometimes stick around for a while. I am thankful to have Embrace to cover parts of their treatment. If only they would cover the expensive shampoo required. But having most of the medication and visit covered is better than none like other carriers. Our claim was processed quickly and check was issues fast within 2 weeks.

My dog had to have surgery, and the final bill was over $2,000. I submitted my claim to Healthy Paws, and the checks were in my mailbox in less than a week. They called and emailed to follow up and make sure the little guy was feeling better. It was a weight off my mind while he was in the hospital, knowing that Healthy Paws was waiting in the wings. So there was never a question of whether or not to proceed with a treatment. Highly recommend.

Embrace was great about contacting my vets directly and obtaining all of the information they needed. This was so helpful as I could focus on my sick girl and not have to worry about obtaining paperwork. Further they are very communicative about their process and what is happening step by step. They have been wonderful.

I'm happy to have the insurance...even with a young, healthy dog issues arise...my dog is 4 and each year, we've received more reimbursement than what we're paying for the policy.

Healthy Paws processed our claim in ONE day!! And they have great customer service. They are great and we thank you. We are so happy with Healthy Paws that I have recommended to a friend who switched to you and happily so!

Each time we submit a claim we are provided with an update to ensure that we know the status, not to mention we can check online. The process is seamless and they are available for questions if you ever need anything. I am glad I purchased the insurance and would recommend it to any pet owner. My main piece of advice would be to get it early.

We have carried PetsHealth (Level 2)for about 5 years & have 3 dogs, 2 of which are large breeds. Claims processing has always been quick and customer service is great. While this insurance will cover routine visits, I can't afford that level of insurance. We were debating dropping the insurance, as we were paying out more in premiums than reimbursements received. We had an ACL repair early 2012 & and an amputation late 2012. However, Petshealth just increased their cap per incident from $1500 to $3000 and deleted their overall annual cap, so there is no cap on the number of incidents in a year. We're hopeful this will improve coverage. I would give them an overall rating of 8.

My puppy Sammy gets into everything and has quite a few vet visits. Embrace has promptly reviewed and paid my claims with no issues. Very happy with the service.

After being financially devastated by my old dog's chronic illnesses, I researched pet insurance for the young dogs and kittens. Trupanion got a lot of really good reviews, so I went with them. In the three years I've had this insurance, the monthly fees have more than doubled per pet (the original $23 per month is now $50 each for my dogs). I've made two claims in the last year, and in both cases, the insurance check came nowhere near the 90% they claim they pay. If your animal is injured or sick and you bring him into the vet for treatment, Trupanion doesn't pay for the examination of the injured/sick pet. So if your bill is $100 and $50 of it was for the examination, you're only going to get 90% of $50, not the full amount you paid. In their defense, Trupanion did state they don't pay examination fees in their policy (which I missed in the small print), but with the doubled monthly fees, I am finding this insurance not all it's cracked up to be.