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This was my first experience using our coverage. I have 3 cats who have been covered under Embrace for 3 years . They have a $1000 deductible, but $10,0000 in coverage. A lot of people told me that pet insurance is a rip off but I wanted to give it a try. Pet care now can do so much, but it can get pricey. I never want to make "the decision" just because I can't afford the pet's care. This summer Napster began to lose weight but there was nothing else obviously wrong. He needed very comprehensive blood work, some medications, X-rays, and an abdominal ultrasound. Although we still aren't entirely sure what it was, we know for sure what (bad things) it wasn't and his weight has stabilized. He exceeded his deductible, and Embrace reimbursed me their share. It took a little longer than expected to handle the claims but they emailed me regularly to let me know they were working on it. They did what they say they will, without any hassle. I have recommended them to several other pet parents I know.

We have been customers of Embrace for almost 2 years. Up until September 2013 we were completely satisfied. Our claims for both Wellness and medical were processed quickly and efficiently and generally had our claim satisfied within 7-10 days. However in September of 2013 the company switched to another provider and currently we have two submitted claims one for Wellness on 9/27/13 and one for medical on 9/30/13 as of this date we still have not received our reimbursement. A policy holder should not have to wait 30 days for a claim to be processed. We have pet insurance to ease the burden of out of pocket expenses. When it takes 30 days (or more) to receive refunds it does little to ease the burden. We will be exploring other insurance providers who offer a similar plan but with expedited claim reimbursement. The Villa’s Saratoga Springs, NY

When my family decided to get are Great Dane, Bella, as a puppy, I knew with big dogs come often times big problems. I never wanted to have to make a decision on the care of Bella based on money. After doing some research, I decided on Embrace and I am so happy I did!! Unfortunatly, in the four short years Bella has lived, she has had to endure two TPLO surguries as well as surgery for her stomach bloating. I know my dog is alive today because of Embrace. Their customer service is second to none. They do not nickle and dime the bill and they are very responsives. I cannot thank you enough and I talk to any pet owners who will listen about the benifits of insuring with Embrace. Once again, my family thanks you for standing behind your product through this difficult time with our beloved doggie, Bella!

Having been a long unsatisfied client of VPI, I knew I wanted a change when I rescued my next dog. The Cage Free Canine rescue suggested Healthy Paws, so i took a shot. On of my girls injured her ACL and i was expecting the same lack of service I had encountered with VPI but much to my surprise, Healthy Paws coverage and timely reimbursement was amazing. I pay a higher premium for a lower deductable and greater amount of coverage and couldn't be happier. I can't recommend them enough and look forward to being a long time client.

reimburse sooner than 3 weeks

Claim filed before I left the Vet's office. Professional contact within 24hrs. No surprises and deposits made directly to my checking account. Awesome and will continue to keep my pet insurance policy for my pair of Pembroke Welsh Corgis. Thank you Embrace

We were recommended Trupanoion by our Veterinarian Dr. Lisa Ciucci and Dr. Al Angel less than two years ago for our German Shepherd Puppy. With the exception of one surgery to remove a testicle that did not drop and could have been a future problem, the other few issues we have had, we have been reimbursed promptly. Trupanion has been very professional and we would recommend this to all our friends that have pets.

We were recommended Trupanoion by our Veterinarian Dr. Lisa Ciucci and Dr. Al Angel less than two years ago for our German Shepherd Puppy. With the exception of one surgery to remove a testicle that did not drop and could have been a future problem, the other few issues we have had, we have been reimbursed promptly. Trupanion has been very professional and we would recommend this to all our friends that have pets.

My Molly, a rescued puppy mill Maltese, has been insured by this company for about 3 years. They would not cover the allergy problem due to it being pre-existing. However, they have covered everything else I had made claims on in an expeditious manner. They have lowered my rates based on the amount of total claims for the year being lower than expected. They cover many things that other companies didn't. I will continue to use them as long as I have a pet.

My Molly, a rescued puppy mill Maltese, has been insured by this company for about 3 years. They would not cover the allergy problem due to it being pre-existing. However, they have covered everything else I had made claims on in an expeditious manner. They have lowered my rates based on the amount of total claims for the year being lower than expected. They cover many things that other companies didn't. I will continue to use them as long as I have a pet.