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Our puppy has struggled with severe bouts of diarrhea on and off for several months. As such, we have needed to run several diagnostic tests, and considered an endoscopic procedure or a biopsy of his large intestine to find the root of the problem. However, these problems started well after the 2 week waiting period for our insurance to take effect. Unfortunately, during one of his routine vaccinations within this 2 week waiting period, our vet noted "occasional soft stool." Despite this note, no tests were run as it was not a matter of concern and a test had been done for parasites just a week prior, which had turned up negative. Embrace has not reimbursed us for ANY of our puppy's tests since his stomach problems began, stating that the "occasional soft stool" was a "pre-existing condition." Our vet was nice enough to write a letter explaining that his subsequent stomach problems were not related to the note about soft stool, however, our appeal was denied. Everyone I have dealt with at this company has been extremely unhelpful and unapologetic. They will go to great lengths to find a reason to deny a claim and I would highly recommend looking elsewhere when considering insurance for your pet.

After talking to a rep on the phone, I fully understood my options and which ones were going to meet my needs perfectly. The information and forms I needed were emailed to me right away. Submitting the claims were easy and so was getting reimbursed. There haven't been any hassles. My only feedback would be to let me know upfront that I needed to get the vet SOAP notes as part of that initial package so I knew to request it on my next visit to the vet.

When I first looked into getting pet insurance, I read every review for each insurance company I could find. Embrace impressed me far beyond all the rest. My experience with Embrace has been the same. My claims have always been reviewed very quickly and there has always been great follow up from embrace to insure great customer service. I am very happy with embrace and do recommend them to anyone.

Routine blood work revealed raised liver enzyme. No symptoms so an exray was done which showed liver OK but enflamed bowel was detected. Our dog was completely unsymptomatic , however, a number of medications were prescribed which we purchased and administered. The liver enzyme is greatly improved and no intestinal problems now. Our claim was handled promptly.

I am new to Embrace Pet Insurance and Wellness Plan. I did a lot of research before deciding to go with Embrace. And I am so glad I picked the right plan. I am totally happy with the service

Getting Healthy Paws for my little girl was the best decision we ever made (next to actually adopting our goldendoodle). The claims are processed extremely fast (often times the claim is processed and/or approved the same day the vet faxes the claim over, and the check is in the mail shortly thereafter), and we have never ever had a problem with getting a reimbursement for something covered by the policy. In fact, over the course of our first 15 months, we have more back in reimbursements than what the premiums would cost us over the next 10 years. So right there Healthy Paws has been a return on my investment, and then some. More than anything, having health insurance has given me the peace of mind to take my girl in for any medical problem (large or small) without having to worry about the vet costs. Also, I feel like Healthy Paws as a company actually cares about my puppy. Whenever I call, a person picks up and is actually very pleasant to talk to. And when we submit claims for an illness, I get an email a few days/week later asking how my puppy is feeling. That's just great customer service! I only wish my human health insurance was as good!! As an FYI, my 15 month old girl is a relatively healthy goldendoodle. When she was very young, she had a sensitive tummy, and we just needed to rule out any pathogens, and more recently she suffered from a nasty UTI and struvite crystals.

ALL INCLUSIVE COVERAGE FOR MY LONG-HAIR MINI-DACHSHUND. BE SURE TO TAKE inclusive wellness coverage to cover continued date required check-ups.

I have had Pets Best for a couple years now and suddenly my monthly rate went up. I called and the service and sales agents were amazingly helpful and quickly got me into a better and more affordable policy for my pet. WONDERFUL experience.

Dog was feeling dumpy. Vet did bloodwork. Low hematocrit was noted among other things. Brought him home with meds but he wouldn't eat or drink and was obviously not well. Went to Iowa State Lloyd Veterinary Hospital. It was determined he had IMHA. After 3.5 weeks in ICU, 9 transfusions, as a last ditch effort a splenectomy was performed. After a rough go, he got better quickly but biopsies taken during surgery showed that he had cancer. Now began treating the cancer. Pets best considered cancer, IMHA and reactions to meds, transfursions etc all as one incident. That is like saying if you have pancreatic cancer and you break your finger, or something else unrelated, they just ignore the facts and say it is related and the reason for this is that they had a SINGLE INCIDENT PAYOUT in their policy which benefitted them since it limits their liability by saying everything that happened is all related. This just isn't true. Some dogs have IMHA and never get cancer and vice versa. There is no data that shows they have to be related but Pets Best chose to ignore this Trupanion apparently has no limit per incident.

I have been VERY impressed with the service fromHealthy Paws. The quick response time to claims and questions has been incredibly. The send e-mail to follow up Nd see how our dog is doing after any procedure and unfortunately he has had many in his 15 months. He had surgery last Tuesday. The claim was submitted that afternoon. I had an e-mail that evening explaining what was covered and the check arrived on Saturday! It has been the same for all his claims! I just wish BCBS was as easy to deal with. I recommend Healthy Paws to anyone who has or is getting a pet. I have told the vet to do the same. Our experience with Healthy Paws has been amazing.