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My newly adopted rescue puppy has had every claim denied and Healthy Paws says it's due to his pre-existing conditions. He had a bit of a cough at his first wellness exam and Healthy Paws has taken the opportunity to lump everything, including a bout of diarrhea, into one diagnosis and not pay. When I asked for more detail on the Explanation of Benefits they were rude and short with me. Barely anything went towards the total deductible. This insurance would be fine if all you need is catastrophic coverage. But there is no wellness coverage. Read carefully before you sign up.

Healthy Paws is amazing!! I've very happy I got this for my Rhodesian Ridgeback puppy! We've recently had some unexpected vet visits and it's already paid for itself for the year. They are very fast with their claim process (24 hours or less when I submitted 2 different claims) and it's very easy to submit. No headaches, no complaints, and recommend to all!

I took my 2 year old Himalayan to her veterinarian after vomiting for a day and just not acting like herself. Blood work and x-rays showed nothing abnormal which I was very grateful for. She was treated with stomach meds and given fluids. Not so unusual with such a long haired cat. What was surprising was, when I called to find out if she was covered and the customer service representative informed me that she was. Not only was my claim unbelievably easy to submit but I received my check in less than 10 days. An insurance company that does what it says it will! I could not be more impressed with their service! If you love your pets like I do, get them Healthy Paws !

I have only had Embrace for a couple of months, but everything has gone very smoothly so far. They are always in touch and make filing a claim very simple. I look forward to many years with my puppy and Embrace.

I just love using Embrace and the claims and reimbursement process is so simple. Fax it in and then you get excellent service with constant updates on the status of things. Excellent service all around! They are the Nordstrom of pet insurance providers!

Murphy needed surgery on his leg. He is a 1 1/2 year old Yellow Lab weighing in at 119 pounds. The veterinarian said he needs a plate and screws to keep his knee from rupturing, surgery was performed that day. I called Healthy Paws, when I came home from leaving Murphy, to inform them about the surgery. I was assured all would be taken care of. This was on a Monday. The bill was $4200. I received a check the following Monday for 90$% of the cost. I also received an e-mail inquiring about Murphy's recovery and asking me to send them a photo. This company is GREAT!

Sir Stubert now is 10 months old. We've been insured by Healthy Paws since September. About a month ago, he developed a cough, despite being fully vaccinated. Just before the Big Storm, he started coughing up blood. That required a trip to the Emergency Service. A couple of days later, he had a terrible response to the antibiotic. That brought us to the Emergency again.I've submitted the claims and got an Email response very quickly about how much would be reimbursed. I was amazed by the attention, the itemization, and the speed of the response. Most especially, I'm impressed by the follow-up and concern. I actually think that these folks may really care about the animals! As soon as Stubie was well enough, he returned to the dog park to get some R & R. Wouldn't you know it. He was running with his puppy friends and a tree came up out of nowhere...and now he has to fractures in his femur. I don't know what I would have done without HealthyPaws. The support and understanding of the staff, too, is very welcome.

Repayment is very slow. Also we never receive an itemization of our claim - we always have to ask.

The pay back is ggod, the communication is good. However, when I started my policy I was told 10 to 15 days for payment. Then it went to 20 to 25 days. After that I was told those days do not include weekends. All of this should have been made clear at the beginning. Embrace needs to set up payment to the Vet. Many people need the insurance because they don't have the money in pocket. So actually we are paying for the entire visit up front. Human's insurance doesn't work that way and neither should pet insurance.

I have already recommened two of my family members to embrace. I have only been with embrace since August but already had a claim when my boy decided to eat some pain pills. Once i put my claim in embrace stayed in touch through email me letting me know through each step of the claim process what was going on even checking once they had sent the claim money check to make sure i had it. They have done a wonderful job and i would recommend them to all pet lovers. Thank you Embrace!