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Ophelia, our toy poodle began limping when she was around nine (9) months old and we thought she pulled a muscle or twisted her leg during one of her favorite play time activities (tug of war). Sadly, her limp continued to worsen and after two weeks, we finally conceded and took her to our veterinary for an exam. Once there, our Veterinarian conducted tests and x-rays and determined that both her hind femoral heads were severely damaged and diagnosed Ophelia with Legg–Calve–Perthes syndrome. Legg-Calve-Perthes syndrome is a disease of the hip joint that results in abnormal deformity of the ball of the hip joint and starts with an insult to the blood supply to the head of the femur bone. As the blood supply is damaged, the bone dies off leading to the bone in the femoral head to collapse and the cartilage coating of the femoral head becomes cracked and deformed. This leads to arthritis or inflammation of the hip joint causing pain and lameness in the affected legs. The cause is not completely understood however the treatment is a femoral head and neck excision with an excellent prognosis. (Degner, 2004) Sadly Ophelia had the issue with both her legs and required a double Femoral Head Ostectomy (FHO) which is expensive and painful. We scheduled the surgery for both her legs and once the surgery was completed, our Veterinarian and the Orthopedic Surgeon signed the claim form and their office sent the claim and all of Ophelia’s medical records to Healthy Paws. He

We are so happy to have health insurance for our Boxer Max, without embrace we would be paying off credit card bills for years!!! They saved our doggy and our wallets!

My 6-yr old female Weimeraner has been insured with Healthy Paws for almost 2 years now. I am blown away by the professionalism, competency, quality and speed of reimbursement of this company. (If only my human health insurance were of this caliber!) The most recent cause for me to use my insurance - Bella started the have difficulty getting up from a seated or lying down position; as if her knees or hips were hurting. Initially I took her to my regular Vet. He took a zillion xrays and tapped the knee joint to test the fluid for inflammation. His diagnosis was cruciate ligament problems, bilaterally (means both knees) and recommended surgery at a cost of $6,000 (just the surgery fee - additional fees for all the ancillary charges. I didn't feel comfortable with this...so I decided just like in human cases, a second opinion would be a good idea. I contacted Healthy Paws, and sure enough - not only did they say my policy covers the cost of a second opinion, they encouraged me to pursue it for Bella's sake. The specialist I took Bella to see is a Board Certified Orthopedic Surgeon. He is not convinced at this stage by merely looking at several x-rays of the diagnosis that the first Veterinarian arrived at. He explained in detail, which I skip here) that further tests were required to figure what was really going on. So Monday of next week, we are off to North Carolina to the University to have an MRI performed on both her knees (and of the hips are suspect, both hips). Again, He

After my last dog, I decided to get pet insurance as soon as I got my new dog. I checked out several companies and liked Embrace's options the best. I signed up for the medical and the wellness options. The wellness portion definitely pays for itself every year, with the annual physicals and vaccinations, etc. The medical portion I've fortunately not had any catastrophes yet, but on the illnesses that have taken me to the vet, I get a partial refund on most. Obviously the real reason is in case she needs surgery or something else major. So all in all, I'm very happy with Embrace.

I am so happy that I signed my three dogs up with Pets Best insurance. I submitted a claim for my dog Dante for an ongoing skin condition. Pets Best customer service encourage me to submit all claims pertaining to that condition for review. The claims covered a period of several months. During the process they were very friendly, helpful and professional. I was amazed at how quickly the claims were processed and the direct deposit was received at my bank. Thank you Pets Best!! I have recommended your services to several others because of the awesome service provided.

Our vet handles our billing so those items that are covered we have been paid quickly. I have never had pet insurance before so I don't have anything to compare it to but we are very happy with the coverage.

Our dog Polly collapsed at home and was immediately taken to South AZ Vetinary Hospital she was not expected to live. After 3 days in intensive care we were able to bring her home where she continues to recover.She received excellent care. We were pleased with Embraces' insurance and prompt payment. We have reccomended you to other pet owners.

Having Embrace pet insurance took the financial worry out of a resent illness. As we all know going to the vet is costly and when you are repeatly going for a illness the bills add up quickly. The customer service is first class. I really appreciated the follow through from the customer service represntatives on the my claims status. They covered all the expensed I expected them to cover. I never regretted having this coverage for my beloved pet.

I NEVER write reviews. But I have to compliment and thank Pets Best. Took my dog in for raisin toxicity (don't ask) on Thurs night. Bill came to $1790 (48 hrs emergency care and monitoring). Submitted claim Sunday night, online. Claim processed by Tuesday night. Pets Best is covering $1353. Had this kind of accident once before with VPI. They paid less than $200 out of a $1000 bill. Enough said.

Embrace is the worst insurance provider. They will assert that anything wrong with your pet is a pre-existing condition. As far as I can tell, this company is a sham.