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I have submitted two claims and I was not reimbursed any on the first claim and considered cancelling my policy. Now I have submitted a second claim for around $300 and got $26.80 back. I am looking into other companies.

My sweet German shepherd, Blaze, was having increasing difficulty walking, getting into the car and negotiating stairs. An M.R.I. was indicated to further diagnose the problem. This was only possible because Healthy Paws paid 80% of the cost, after the deductible of $250 was reached. The M.R.I. indicated that Blaze had multiple (6) vertebral discs that were variously degenerated and bulging, two of which necessitated rather immediate surgery. Spinal surgery is not a simple matter--not physically, for my dog, nor financially, for me. Again, because of the support of Healthy Paws, this life saving surgery was made possible for Blaze. As always, they processed my claims immediately and within a week, a check for 80% of this very hefty bill was in the mail. It turned out that once the surgeons had opened up Blaze, they discovered that one disc was much worse than the M.R.I. had revealed: it was actually fused to his spinal cord. It was only because of the superior skill of this Board certified neurosurgeon that the disc was removed with NO injury to Blaze's spinal cord--a 4 hour procedure, 2 - 8" long incisions, and 4 days of hospitalization. Nearly, 2 weeks since the surgery, I'm happy to report that Blaze is making a remarkable recovery. I look forward to the 8 week mark when he will be free to run, chase balls, and tussle with my other shepherd. My gratitude to the extraordinary physicians, Dr. Cuddon and Dr. Ko, at the Wheat Ridge Animal Hospital in Wheat Rid

I'm very pleased with the time it took Embrace to issue a refund check for my Merfy's well check-up. I also have the major medical plan for my dog just in case he gets injured or has a medical issue. Too many of my friends with pets have had huge vet bills and no pet insurance. Embrace has very reasonable monthly rates.

My dog Kong Kong swallowed a bone and it was too large to pass through the esophagus (throat). Without hesitation, we took him to the vet and ER later to had the bone removed. My wife and I are very please that we have Kong Kong insured under Trupanion. Not only it covered 90% of the vet costs, but most importantly- peace of mind at all time.

My dog Kong Kong swallowed a bone and it was too large to pass through the esophagus (throat). Without hesitation, we took him to the vet and ER later to had the bone removed. My wife and I are very please that we have Kong Kong insured under Trupanion. Not only it covered 90% of the vet costs, but most importantly- peace of mind at all time.

I have been with Embrace for a number of years and have always found them helpful and knowledgeable. When I have had questions, they answer me promptly and to my satisfaction. Their payments are timely and fair. It gives me peace of mind to know that my dogs will be covered in case of injury or accidents and I find their Wellness Plan a help in covering costs. I depend on Embrace.

My doggie tore his ACL and required surgical intervention. All claims regarding his care were submitted as received and communications regarding the status of all claims during the determination period were prompt, clear and accurate. Claims were paid promptly and "Chorkie" is still in the healing process. Embrace personnel are professional and responsive and I would recommend this agency to pet holders. You just never know when your animal will need care, and it is prudent to have insurance. Technologies in veterinary medicine have improved by leaps and bounds, and keeping your trusted friend with your for additional years should be everyone's goal. Animals cannot tell us what they feel or what is wrong, so get them checked frequently to keep then healthy. Thanks Embrace for your TLC.

I have 3 cats at home, all of which are insured, and have made claims for illnesses and dental appointments. Every claim I sent in that qualified resulted in a refund of a large portion of the total cost.

I have submitted several claims to Embrace over the past year. Each and every time they review the claim in a timely matter, without any issues, and we always feel they are very fair with reimbursement. I can not say anything negative about this company!

When our 8 year old was diagnosed with Spindle Cell Sarcoma our heart sank. Our Goldens live nice long lives and all have passed 13 years of age before joining their sisters. When we found out it was a curable cancer we were glad but then came the cost of the procedures. We got Healthy Paws insurance last summer after our young puppy ate some items that cost $4,000 in emergency surgery. We added Molly to that policy. Healthy Paws not only has unlimited claims but also covers cancer. Thanks to Healthy Paws our decision to cure Molly was much easier and assisted us in saving her life. The total costs for the treatment is over $15,000 and it is all covered by Healthy Paws. The claims for the testing and surgery have already been reimbursed and we are now in the middle of the radiation treatments. Thank you Healthy Paws for being their for our Ohana (family)!!! You need pet insurance as much as you need medical insurance for your two legged family memebers and Healthy Paws is "best of breed"!