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They do not want to help cover your pet. They always find a way to not pay the 90% and leave you with a minimal amount of coverage about 20%. Also they pretend to not receive emails day of surgery so they don’t have to pay directly. Too many loop holes and the people on the phone are snide. They don’t care about your pet. Phony

Easy to file a claim. A little disappointed because it appears as if the price is going to go up every year.

I have tried three different insurance companies. Two were a disaster (Especially ASPCA). Healthy Paws is amazing. The claims are processed quickly, when there are questions they are fair and professional and I feel like they have the welfare of me and my boys at heart. nThe first company we tried we fought with constantly, they went out of their way to connect procedures to re-existing conditions. Health Paws has been helpful and fair. They're clearly the best.

Claims processing speed is phenomenal and the money gets wired to your account in less than 2 days

Great company.

I never leave reviews, but if I could give negative scores to these guys, I would. The only good thing about this insurance company is that the reps you’ll speak with are super nice (they can’t help you - but they’re still very nice). My pup had a skin infection, so I submitted a claim. Easy, right? Wrong. They state that it should take between 15-20 days to get a response after you submit. No problem. On the 20th day, they tell me they need the entire medical and background file on my dog. No problem. Now it’s another 15-20 days. Just as were nearing the NEXT 20th day, I’m told it’s been denied due to it being “pre-existing” because it shows in our file that he had puppy acne. The rep told me I could contest it by going back to the vet and getting a written statement saying that it wasn’t pre-existing, but that I probably wouldn’t win - even with vet confirmation. I cancelled my account with them. If it was this much of a headache for a small issue like a skin infection - I can’t imagine the nonsense they’d pull for a bigger issue. I’ll put that $100/month into savings for future vet visits myself. Try them out if you’d like, hopefully you’ll have better luck with them then we did. Good luck.

Gemini got two surgeries and both of them cost a lot. Lemonade Insurance processed the claims very fast (the recent one was above 10k and they processed the claim within a week). I really appreciate their fast response and short process time.

can't say enough about the service we received for charlie, our 16 week golden retriever - poor guy had a seizure, rushed him to hospital and you can imagine how distressed we were and how anxious and confused he was. Even as he was rushed into emergency service, reception was submitted our form and within 10 minutes of submission we had an pre-approved expenses. And clear concise and empathetic communication from the Trupanion. First rate all the way

My puppy eats EVERYTHING! I literally can not let her out of my sight, but we are a family and I am not the only one who cares for her, so sometimes she gets into things she shouldn't. She managed to eat a squeaker out of a toy plus a bunch of the stuffing while she was in her crate after we had gone to bed (lesson learned, no toys in crate). I took her to the vet when she woke me up at 2:00 am whining (I guess the stuffing made her super thirsty). I noticed the squeaker was no where to be found, so after googling what I should do I immediately took her to the vet, to try to avoid a blockage and a very expensive vet bill. They induced vomiting and the stuffing and squeaker came out. Then a couple of weeks later, she was in the backyard with us and she ate some wild mushrooms and got very sick. Again, straight to the vet for a very expensive bill, which was covered by pets plus us. Then after my claim went through I noticed on the bottom it said that your dog can only claim three times in it's lifetime for any of the following: foreign body ingestions, porcupine quill impalement and/or lacerations, fight/bite wounds/lacerations, motor vehicle injuries and poison ingestions. So now, my dog has made two claims in this very broad category, so I have to hope over the rest of her life (which is probably like 14 more years) she doesn't get hit by a vehicle or bitten by another dog or cut herself badly etc. I feel this is a bit unfair. I think repetitive behaviour is one thing, for instance, maybe she shouldn't be covered for eating mushrooms again, because as a pet owner I should now know better and make sure she stays away from them. And maybe she shouldn't be covered if she ingests another squeaker, because again, I know not to leave toys in her crate. But what does any of that have to do with her getting bit by another dog or lacerated while playing on a trail etc? Or the odd chance that a porcupine jumps out of the woods and gets her with a quill. I mean come on, these are very different scenarios that I think should be covered.

I would highly recommend Lemonade insurance.... it was honestly overwhelming researching insurance. We finally choose one that we thought would work best for us and have no complaints so far! It is very easy to file a claim and the customer service team responds quickly. They do a great job explaining what is happening with your insurance policy when you file a claim!