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I am the sad owner of this pet insurance policy. My Collie had a gastric attack that required emergency vet care. He was diagnosed with Pancreatitis and deathly ill. Total cost was $2,400. I was confident that his pet insurance would take care of 90% of the bill. WHAT A JOKE! I submitted the claim and did not hear for nine weeks. I had to call customer service and although I had submitted the billing statement from the vet, they wanted more info from the vet. Never contacted me, and so I waited and waited and waited. NEXT JOKE- They reinbursed 1,571.00 because that was the anual limit! They tell you about lifetime limits but never about annual limits. WHAT A RIP-OFF!!! Now I can look elsewhere, but this condition will not be covered.PEOPLE, THEY ONLY COVER A PERCENT OF EACH MEDICAL CHARGE. BUYER BEWARE!!! I have another provider-24 PetWatch- on my Sheltie and they are the best. Fast turnaround, refund exactly what I expect.

My pup only has the illness/emergency coverage, but we could not be more pleased with the service we've received. Winston is 2 and a half and has been pretty healthy. Every time he has an illness or emergency we take him to the vet and make the claim. That way Embrace keeps tract of our deductible for us. When/if the vet is slow in getting in the needed paperwork, Embrack lets us know. Embrace treats us like people who love our pets. They follow up to make sure all is well and explain the reimbursement clearly. They even follow up to make sure the check was received. I recommend Embrace to all the folks we know at the dog park.

Amazing customer service. Our dog, Princess, had a cancerous tumor on her paw that needed to be removed. She had surgery that ran us about $900. She is a mature dog and had pre-existing medical challanges. Our vet forgot to file the correct paperwork and our claim became very complicated. Healthy Paws was in constant communication and kept us updated every step of the way. Any question I asked by email, I received a response within 24 hours. They were so kind and compassionate when helping us thru this time. When they notified us by email of the final result of our claim, our refund check was in our mailbox the very next day. They showed showed us such kindness and we appreciate them soooooo much!

I have a two year old Norwich Terrier and although I've had other dogs, this is the first time I've had pet insurance. I did a lot of research on this site and other places and decided that Trupanion seemed to be the best option for me and my dog. I joined the plan when my dog was about six months old. We have just had our first major health issue and my first claim with Trupanion. My dog had a Sunday visit to an emergency clinic followed by treatment at my regular vet, including surgery for bladder stones. Filing the claim was easy and my vet had experience with Trupanion and assured me that their clients had had good response from the company. I received prompt, clear and frequent communication by email from Trupanion and after my claim was reviewed was told that everything would be covered according to my plan and that I'd receive a check shortly -- which I did within several days. Trupanion paid 90% of all of the charges at both the emergency clinic and my vet, aside from the basic exam fees and my $100 deductible. It was exactly as promised, with no hassles and terrific customer service. I could not be more pleased and impressed with Trupanion. I am a believer in pet insurance and encourage everyone to carefully consider getting coverage. it is not meant for the usual small things that come up -- the $100 to $300 typical wellness or minor illness visits. But when you are faced with $2,500 or more for surgery, tests and so forth, it is very comforting

I have a two year old Norwich Terrier and although I've had other dogs, this is the first time I've had pet insurance. I did a lot of research on this site and other places and decided that Trupanion seemed to be the best option for me and my dog. I joined the plan when my dog was about six months old. We have just had our first major health issue and my first claim with Trupanion. My dog had a Sunday visit to an emergency clinic followed by treatment at my regular vet, including surgery for bladder stones. Filing the claim was easy and my vet had experience with Trupanion and assured me that their clients had had good response from the company. I received prompt, clear and frequent communication by email from Trupanion and after my claim was reviewed was told that everything would be covered according to my plan and that I'd receive a check shortly -- which I did within several days. Trupanion paid 90% of all of the charges at both the emergency clinic and my vet, aside from the basic exam fees and my $100 deductible. It was exactly as promised, with no hassles and terrific customer service. I could not be more pleased and impressed with Trupanion. I am a believer in pet insurance and encourage everyone to carefully consider getting coverage. it is not meant for the usual small things that come up -- the $100 to $300 typical wellness or minor illness visits. But when you are faced with $2,500 or more for surgery, tests and so forth, it is very comforting

Wasn't sure getting pet insurance would be worth the monthly expense but thank god I visited this site and did my homework! Found Healthy Paws and they have been a dream to work with. So compassionate and customer-service oriented. Worth every penny, our little boy had to have a biopsy and it saved us over $375 on the bill!

Our Beagle was suffering from vomiting and stomach pain when we took him in to see his vet. After a general exam, the vet suggested that he stay overnight for multiple blood tests, an x-ray, IV fluids and observation. This was the first time our 2-year old Beagle was ever seriously sick and also the first time he spent the night away from home so as you can imagine we were very stressed out. As soon as I got home from the vets office, I called Healthy Paws since this was the first time I ever had to file an insurance claim. The lady I talked to expressed a true concern over our Beagles health and was able to answer all of my questions regarding the paperwork involved to file my claim and how to submit it, this really helped relieve some of our stress. Dash was released the next day, the vet believes he ate something bad that resulted in his high liver toxin levels. Our vet submitted the claim form along with his medical records and I received a confirmation email from Healthy Paws the next day that his claim had been received. Two days later we got the itemized claim receipt via email so we knew exactly what would be covered. There was no fine print or no hassle over his claim, everything that I expected to get reimbursed I got reimbursed for. I even got a follow-up email from a Healthy Paws representative yesterday just to check in to see how our Beagle was recovering. You truly could not ask for more when it comes to customer service, ease of filing a claim and sp

Last year my dog needed TPLO surgery and Trupanion processed the claim quickly amd with no surprises. This year (as is often the case) she needed the other knee done. The claim was processed, along with another smaller claim, in just a few days. Especially like how they email to let you know they received your claim and what the status is. Got the cheques in the mail quickly enough to pay the Visa bill which was great! Thank you Trupanion!

Last year my dog needed TPLO surgery and Trupanion processed the claim quickly amd with no surprises. This year (as is often the case) she needed the other knee done. The claim was processed, along with another smaller claim, in just a few days. Especially like how they email to let you know they received your claim and what the status is. Got the cheques in the mail quickly enough to pay the Visa bill which was great! Thank you Trupanion!

Healthwise, my Chocolate Lab has had a very bad year so far. In May he tore the ACL in his left back leg. Surgery to repair that ran to about $3,600, of which Pet Partners paid about $2,300. Then in September, he ate part of the bed spread; including a piece about 15" * 4". He barfed up part of it, but part was still in his stomach, which required emergency surgery to the tune of about $4,500. Last week I received a check from Pet Parners for $3,000. I would prefer to spend the $60 or so a month for insurance and never have to make a claim. Buying pet insurance has turned out to be one of the smarter decisions I have ever made and Pet Parners really came through for us.