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Our yellow lab Elvis had a run of summer troubles recently - jarred his shoulder at the beach and developed a limp - poor baby, if it was up to him he would go run after the ball all day - no matter how it hurt! His vet took xrays, he had medicine, all sorts of costly experiences. We submitted his bill - and were so happy with quick and immediate payment. Then he had some summer hot spots - more medicine! We got an email from Healthy Paws and I thought - oh boy, they probably want to drop him! But no, they asked how he was and for a photo! They have been a great partner in keeping him healthy and happy.

We had another boxer and spent MANY $ on his health care. We had not heard of pet insurance at the time. With this dog we, fortunately, bought insurance when he was a puppy. We almost didn't, thinking what are the chances of getting TWO dogs with health issues. We have been very pleased with the company. One thing I would like to see is the inclusion of partial coverage for dog food that is prescribed by the vet that is needed to sustain the dog's health as it is VERY expensive.

We were completely blindsided when our boxer Fritzy came down with bladder stones. By the time we understood what was happening he was very torn up inside with a perforated bladder. Embrace stayed on top of our multiple bills for all the diagnosic and surgical work that needed to be done. They kept in touch with us regarding the status of our claim, paid our claims quickly, and followed up with us to see how Fritzy was doing. Thank you Embrace

Very strong communication skills of the company with its clients responses are done in a timely fashion. Would recommend it to all per owners

In a previous job, I actually promoted PetSecure as a part of my position. I now sincerely regret that. A week or two after we filed a claim for the first time, they sent us a letter claiming they had to raise our premiums due to "the new region of Canada we were in", but we had never moved. It wasn't just an innocent error, either. We had made it known to them when we registered that my fiance and I lived separately, but shared custody of our dog. When they asked for my address on the claim form instead of his, they used that as a pretext to change our premiums-- and my address was in the very the same city, only 25 minutes away from his! The "region of Canada" excuse was clearly garbage. When we called and straightened this out (in a very polite manner), they followed up by sending a letter informing us that our coverage no longer included six common health problems! Unbelievable. Bottom line, we were penalized for making a claim the very first time we filed. We're going to be changing our insurance, not because we were underwritten, but because of the deceptive way in which they tried to make more money off of us first, under false pretenses. Don't waste your time or money.

I have been a long time Embrace customer and unfortunately have had to use my policy on a number of occasions. From cancer with my goldens to my Dane Rex bloating, Embrace has never let me down. I just recently lost my 3 legged Dane "Hope" after a long hospital stay. Embrace covered everything as expected. Even covered the doctor who came to the house to to accupuncture. I have all 4 of my dogs covered by Embrace. They are the best!!!

Our 8 month old German Shepherd Phoenix exhibited a limping in her left front leg. We took her to the vet where “pano” was indicated but while investigating that issue the vet discovered that the two lymph nodes on either side of her lower throat were greatly enlarged. Yikes!!!! He did a biopsy of one of the nodes along with extensive blood tests to try to find the cause. At this point we are not sure of the cause but have ruled out several of the more serious possibilities. The total vet bill so far is $1068.08. I submitted documentation for the claim by email on Monday 9/10. That same day, Healthy Paws went to work on the claim, asking for some additional vet notes directly from the vet. The vet supplied the notes on Tuesday 9/11 at which time I got an email from Healthy Paws indicating that the information was complete and the claim was being processed. On Thursday 9/13 I received notification from Healthy Paws that the claim had been processed in an email which included the explanation of benefits. Notice that the claim was already processed on day 4. So they are fast, but did they pay what the policy said would be paid? Yes, to the penny. My policy has an annual $250 deductible with 90% coverage. NOT covered is the exam fee of $36.50 (as stated in the policy), and so the calculation went as .9*(1068.08 – 36.50) – 250 = $678.42. So they are fast, pay what they are supposed to pay, but are they pleasant to work with? Yes, definitely pleasant. I have communicate

After reviewing other pet insurance companies,we decided on Healthy Paws for our Saint Bernard.Even over what our vet recommended.What a great choice we made.simply the BEST. On 09/04/2012 we took our Saint to the vet for an injured wrist and a diarrhea problem. Within an hour of getting home from the vet's we received a e-mail from Healthy Paws saying they had received our claim.2 hours later,another e-mail from Healthy Paws saying the claim was approved.Within 3 days we received the check for our claim.

I have a bunch of past claims, and they have been helpful processing each one, and emailing me what is going on with each claim. They have been very helpful and quick with their responses.

My Duchshund, 8 years old had some back injury and a hernia surgery. I was so relieved to know that I can treat her without worry. It is pace of mind to know that I have her covered and that I can go to the vet anytime she needs. Claims have been processes in a timely fashion without any headaches or extra work from my part.I am very happy with this insurance and I recommended it to all other pet owners.