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Our dog stopped eating and drinking, and his hospital stay was almost $700. Initially, Healthy Paws thought there was a gap in his veterinary coverage since he was found as a stray, but a quick phone call cleared that up and I had a check in hand within 3 days. It's worth every penny and I wish my own health insurance was this easy!

The Embrace Representative on the phone, Joshua, was very helpful and considerate. I worked with him while I was online on their website, because I wanted to get the insurance that day and have it go into effect immediately..also bought the Well Care..which is what was immediate..I was very happy with the service, and afterwards, ny 1st Well claim went exactly as they said..check received within a week of submission!

"Smoki" (Toy Poodle) was born May 21, 2011, I adopted him JUNE 2011 @ six weeks old. Smoki has been a member width ASPCA for almost one year,& he is a very healthy poodle, I have only had to submit claims for wellness, neuter, & vaccines. NO ILLNES; NO INJURIES I have not had any problems with getting reimbursed on any of the charges that are covered. All calls made have been very helpful and the customer teams have all been very polite.

So far no claims have been paid. Haven't met the deductable and some were not covered.

My last 2 claims were reviewed and processed in 1 day and 5 4 days respectively. i can't thank you enough for handling thses claims in such a timely fashion. Your service is outstanding. I am so glad I chose Embrace.

We have been quite impressed with Trupanion's handling of any and all claims. They are prompt, fulfill their commitments on coverage,continually provide email communications re: status of claims and if you call, they are always very courteous AND actually concerned about the pet's well-being!

We have been quite impressed with Trupanion's handling of any and all claims. They are prompt, fulfill their commitments on coverage,continually provide email communications re: status of claims and if you call, they are always very courteous AND actually concerned about the pet's well-being!

This was my first claim and my first experience with Embrace. Excellent communication through the process, and extremely speedy processing of the claim. The claim was processed and completed the day after I submitted & sent to my bank via direct deposit. The wellness plan is excellent, and the direct deposit option helps speed things up. Thank you!

I admit to being skeptical, but I have been pleasantly surprised with Embrace. No 'hidden' costs, prompt service both in email and on the 'phone. Pretty easy to understand. I would suggest a few more details on the claim forms - maybe on back side have examples of what Embrace expects Veterinarians to write on form. Also a reminder that on your first visit after signing up - to BRING the orthopedic waiver for vet to fill out - to save on a second trip.... Still overall, I am pleased.

We have two mixed breed dogs ages 1 and 4.5. Both were adopted as puppies from a no kill puppy shelter when they were 9 weeks old. Our oldest did not have health coverage at the time of his traumatic canine fracture when he was two. After a $3000 root canal bill I spent significant time researching insurance options. While I knew Healthy Paws would not cover the pre-existing dental issue, we have had good luck getting various bills covered for expensive labs to work up GI issues and possible malabsorption as well as an ER visit for food bloat after Tanner helped himself to 4 pounds of kibble. The youngest has had trouble with a knee problem since age 6 months. While this has not required surgery to date, he has gone to an orthopedic specialist, undergone x-rays and a month of physical therapy to include cold laser treatments. All of this was covered exactly how Healthy Paws describes their coverage and with no hassles! Tonic also had an ER visit for possible battery ingestion and the $200 X-ray was covered. In general, office visits and labs or medication for routine preventative care are not covered benefits so you do need to figure this into the cost analysis when choosing a plan. It seems that this is a fairly standard practice for most pet insurance plans. It does not take many ER visits or expensive labs to at least break even on return of investment for monthly memberships. We really appreciate how supportive and responsive Healthy Paws has been! The turn aroun