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We have been with Embrace for ten months and couldn't be happier with the choice we made. We sifted through several competing companies before finding the "right fit". The representatives are extemely helpful in helping to choose the right coverage for your needs. Claims are handled quickly. Annie's spaying was covered only weeks after obtaining the insurance and the remaining amount covered the cost of some of her preventative care. I must disagree that wellness is not covered, it is an option that can be readily obtained.

This is my second dog which I've had covered with Embrace. I did have other coverage for my last dog who and changed to Embrace because I was upset with her plan coverage. Anyway, they were great with her, and they continue to be fabulous with my current dog, Cindy. We had a little lapse in time where there were delays in having the claim checked out, but once things were checked, it all went straight through. Everyone is great at keeping you informed on what is happening, and you actually get answers if you email with a question. It was suggested that I change coverage by a friend,but I will never change from Embrace. As a side note, I did increase to full coverage for the wellness plan this year. Can't beat that deal either! HOpefully, I don't need to use the coverage ever again, but if we need it, I know that same great coverage is there!! Thanks so much for everything!! Kathy and Cindy. :-D

I was impress with the speed in which they reviewed my claim.

I was impress with the speed in which they reviewed my claim.

I have two great danes and switched to Embrace because of the wonderful reviews and raves about great customer service. I submitted a claim and got emails for several weeks saying it was in line to be dealt with, they were behind. When they did review it, the claim was denied for reasons that I had specifically asked about being covered when i called to get more information. I was told something would be covered and of course it wasn't. Had i not switched to embrace, I at least would have got something back from my old insurance company. I am terribly disappointed with this company.

We've been using Healthy Paws for a little over a year and a half and the first year, thankfully, we did not meet our deductible and therefore didn't really 'need' Healthy Paws. This year, however, our dog had a an eye issue (she's fine and it went towards paying our deductible) and more recently a GI issue requiring an overnight with IV fluids, x-rays, meds, etc and we received our claim check within a couple of days. The claim process is easy, clear to understand, and fast. We keep a blank claim form on file at the vet and they handle everything with Healthy Paws. We also really like the personal connection with Healthy Paws - we can talk to real people easily and they even reach out to us after submitting a claim to see how our dog is recovering.

I have 5 dogs and 3 cats -- the dogs are covered, the cats aren't. This month, I had a new dog who needed spay and other services. I also had a cat with an infection. The cat ended up costing nearly $600, which is all out of pocket. The dog cost just over $300, of which I will get back $200. I faxed the claim yesterday and just was notified that the claim has been processed and my reimbursement will be on its way to my checking account.:) Maybe it's time to cover the cats.

We have paid for our Trupanion insurance for one year on our two puppies who are staggered in age. As soon as the first puppy turned one-year-of age, Trupanion raised the premium on one puppy from $42 per month to $54 per month. I assume the second puppy will receive an increase in a couple months which will cost $104 ($50 deductible)per month for puppies only one-year of age. I am unsure that this is worth the long term commitment of $1,248 per year for ten years down the road when dogs will need the insurance. We had a claim when our puppy was stung by an insect and had a swollen nose. Apparently that drove our $84 per month payment to become not enough for Trupanion...but it was enough for me.

We have paid for our Trupanion insurance for one year on our two puppies who are staggered in age. As soon as the first puppy turned one-year-of age, Trupanion raised the premium on one puppy from $42 per month to $54 per month. I assume the second puppy will receive an increase in a couple months which will cost $104 ($50 deductible)per month for puppies only one-year of age. I am unsure that this is worth the long term commitment of $1,248 per year for ten years down the road when dogs will need the insurance. We had a claim when our puppy was stung by an insect and had a swollen nose. Apparently that drove our $84 per month payment to become not enough for Trupanion...but it was enough for me.

Im happy so far. would like to see claim processed faster.