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Claims are being denied for "wellness", when wellness is not what my dog was brought in for. She had non-wellness issues that I sought to get remedied by her vet.

Moses, my American Mastiff, fractured his tibia and racked up quite the bill at the local emergency room. In the midst of my concern for him and terror at the size of the bill, I suddenly remembered that I have Embrace Insurance. I immediately relaxed and was able to concentrate on Moses and the doctor, and be "present" rather than scrambling for ways to pay the bill. The claim settlement arrived in a timely fashion, with no surprises. I would never own a dog of any size without Embrace.

This is our first experience with pet health insurance. Ourpuppy ingested some carpet fibers that got lodged in her intestines. We had to take her to the emergency Hospital, which is much more expensive than our regular vet. (Of course, she showed symptoms on a holiday.) Luckily, she did not need surgery, but the bill was very expensive. The claim was submitted, and within a month we were reimbursed by ASPCA for the bulk of the vet fees. This insurance is WONDERFUL! Thank You ASPCA!

Healthy Paws really cares about our love ones. I highly recommend this insurance company to everyone.

We have both a dog and a cat insured with Healthy Paws. Both pets have had some issues, and Healthy Paws gives us peace of mind knowing that we can always give our pets the best treatment options available without having to worry about costs. We have realized that no matter how good of care we take of our pets, they will occasionally get sick or injured. Even a minor illness or injury can become very costly if special tests or surgery are required. Healthy Paws processes claims in an expedient manner and provides a clear explanations of benefits. Healthy Paws allows us to choose what veterinarian we use and follow his or her recommended course of treatment. They do not require any pre-authorizations and there is no "out-of-network" or alternate reimbursement scale. One major advantage over their competitors is that like our human insurance, their is only one annual deductible, whereas some pet insurers have a "per illness" deductible. They will even review your pets' records for you before you purchase insurance to verify any pre-existing conditions. We have recommended Healthy Paws to our friends and family. The truth is, because of Healthy Paws, our pets are afforded every option for a long and healthy life.

I had submitted a wellness claim for my dog's routine office visit and routine shots. The claim was quickly processed and there were no issues. I did not have to call in and fight for my payment!! Great working with them!

Our handsome Cockapoo Smokey suffered a CCL tear about a month ago and underwent surgery to correct the condition just two weeks ago. He is progressing very well and is happy to know his owner is extremely well pleased with the results of the surgery and the manner in which Healthy Paws has handled his claim. The staff at Healthy Paws has far exceeded my expectations with regards to processing my claim, and they have taken a personal interest in Smokey's recovery. The claim was processed in a timely and orderly fashion and I am now awaiting arrival of the reimbursement check. I am wildly enthusiastic about recommending Healthy Paws Insurance to anyone who values personal interest and professional excellence when it comes to dealing with their pets. Having done business with a previous pet insurance company, I can assure you Healthy Paws Pet Insurance is the best in every respect hands down. Thank you Healthy Paws for outstanding service and dedication. Our experience with you has been a pleasurable one to say the least.

The usual turn around time on a claim is two weeks or less. The last pair of claims did take longer than normal, however, I was up to date during the process . I the year I have had Embrace no claim was denied. Thanks!

Dealing with Embrace is about 100x easier than dealing with my own health insurance company. If it's a legitimate claim, they reimburse you, no hassle, no questions. And we’ve agreed on everything that would be considered legitimate so far.

I've had Trupanion for about 5 years now and they are truly the best. Every time I submit a claim it always gets processed super fast and I get the money in no time. They were also the only pet insurance company that would even cover my senior dog. Thier rates are always affordable and their coverage is the best in the business, trust me I did my research. It's very reassuring to know that my baby boy is protected and that I'll never have to worry about his health and money. Thanks Trupanion.