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This company is not only extremely efficient at getting claims processed and mailing the reimbursement checks quickly but they have an outstanding customer service team. They wrote a personalized email checking on my dog and asked me to give him a hug for them. I was extremely impressed by this as most large companies send automated impersonal emails. My dog had major surgery within 3 months of having the policy and I was so nervous that there would be red tape to go through to get the reimbursement check. Much to my relief I had an email within an hour saying the claim was processed and the check was on the way.

What I like best is the consistent communication they keep during the process. I have only had one interaction with them so far, and so far, so good. I investigated prior to purchasing, and they were the most highly rated.

Our 4 1/2 month old puppy was in the back yard and sustained a laceration to his paw. We took him to the vet on Sunday, on Monday they stitched him up, and on Saturday we received a reimbursement check from Healthy Paws. Not knowing if we had cleared the 15 day waiting period we called to speak with a representative. The representative was very helpful and informed us that we were covered and to have our veterinarian submit the claim form. The final touch was when we received an e-mail from the Claims Manager to inquire how our puppy was doing. The level of service we received from Healthy Paws exceeded our expectations.

The dogs I currently have are the first of 8 previous dogs I've purchased insurance for. I've use the insurance for my Puggle puppy three times before she was 6 months old for gastro-intestional issues with medication. The first claim was large due to testing for the cause. It was a significant amount of money even after the deductable was applied. It took a total of 4 times of my Vet having to fax the medical records and me having to call three times before they could be found in your office. So it took almost 3 months for the claim to be completed. I was never contacted that there was a problem & only discovered it when I was notified that the claim had been denied because you didn't have the medical records. I'm on a limited budget and my vet is not willing to wait 3 months for their part of the payment. Needless to say this claim was not very satisfying and placed me in a very difficult position financially, which is what I hoped to avoid by purchasing the insurance. The other claims went smoothly and were paid within 3 weeks. Was this because I complained long & loud? I don't know, we'll see if/when I file amother claim. I am considering changing insurance providers, haven't made a decesion yet. I am going to recommend ASPCA to other pet owners only because there is no "we'll wait & see" choice.

While sometimes there is a lag in completing claims (this is rare) I am always kept updated on the processing of the claim. I appreciate knowing that my claims have not fallen into a black hole somewhere and that my claim will be processed. I always feel a personal touch with the claims folks at Embrace.

Trupanion is everything that people insurance isn't. no automated phone system. talk with helpful, caring people. low premium. easy claim filing. quick claim processing.

Trupanion is everything that people insurance isn't. no automated phone system. talk with helpful, caring people. low premium. easy claim filing. quick claim processing.

Let it be known that even though the website says no medical history required to enroll. This part is true as they want your money. If you file a claim, you will need all your pets history from the time you got the pet. This is to protect the, from paying out claims for preexisting conditions, completely understandable. But I feel they should require this up front to avoid delays in processing and also denied claims. It took close to a month to complete claim because I had to go to several different vets and beg them to fax info to embrace. Vets are not fond of sharing their vet notes, note, i said vet notes, not just the receipts you get as a client. My claim was approved and I did receive my due amount in a timely manner after I got all the info faxed to them. Had I not been able to send them the vet info, my claim would not have approved and I would have been out the annual premium I paid for coverage. So be aware you need to request a medical review upfront otherwise you may be wasting your money if your pet has perexisting conditions. Overall I give them a 9. Would have been a 10 except for the pain of driving to old vets and getting info. Should of been told upfront.

Trupanion has really delievered! Process was very easy any questions that I had was dealt with professionalism. They helped me step by step since this was the first time I've ever filed a claim. GREAT

Trupanion has really delievered! Process was very easy any questions that I had was dealt with professionalism. They helped me step by step since this was the first time I've ever filed a claim. GREAT