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We got Embrace in 2009. Six months later, our 6-year old, Bagel, got unexpected and unexplained lymphoma. Embrace sorted out all the claims and made the process so easy to get reimbursed, which is what you need when everything is in trauma from a pet with a critical illnes or injury. During that period, Embrace employees working on the claims would ask about Bagel. When we lost her, they all sent sympathy e-mails. We have Embrace for two other dogs, and purchased the wellness adder. We cannot say enough about the great value, overall experience, and quick reimbursements. Top dog insurance - you need to choose Embrace.

While I was kept informed of the process, it took over a month to process this claim. There was only one charge and the amount was just applied to my deductible, so I'm not sure what the hold-up was with it.

Honestly, I feel your coverage does not take into consideration that I live in New York, where everything is more than some small mid western state. My bills come in and your coverage is more times than not laughable Just for the record I have 8 dogs. Ranging from small french bull dogs. to 90lb weimaranar

Molly became sick had to go in for multiple tests cost total of $759.00 This claim took 5 plus weeks to be processed and resulted in $110.00 back to me. Ratings 1 on processing claim ( 5 plus weeks) but 9 on customer service.

My dog Lola began having gastrointestinal issues as a puppy, involving several trips to the vet. The very first trip met my deductible and subsequent trips have been covered by the insurance. It took several different visits before they decided she had an intolerance to her food. Thankfully, she is doing well on a sensitive stomach food now and has regained her weight loss. I never expected to have to use Embrace this soon as her first few months as a puppy were illness-free. I am very thankful to have the financial security of Embrace insurance because even minor problems can become expensive with numerous trips to the vet.

Policy only in effect for 2 weeks, I uploaded a wellness claim for a spay and vaccinations to their website on Sunday evening, by the end of business Monday (less than 24 hours later), they had direct deposited payment to my bank account. You really can't ask for faster than that.

I have used pet insurance in the past (for my horses)that has saved me many times but had never had insurance on my dogs. I have had my two doxies insured with Embrace for about 4 years now and have recently had to submit a claim for one of my dogs that had a slipped disk in his neck due to an accident. I had to take him to a specialty teaching vet hospital that had a neurology dept. I had the plan with a $500 deductible and then they pay 90% with a maximum coverage of $10,000. The total bill was almost $5000 and the only thing that they didn't pay was the prescription meds because I didn't have that extra coverage under my plan. The claim did take over a month to process, but they kept me informed through email apologizing for the delay and assured me that they were working on my claim. The reason that I chose Embrace was because I had researched the many companies and Embrace had the best reviews and the least problems covering claims.

I spent a lot of time doing research on the different pet insurance companies before deciding on Healthy Paws based on coverage, cost, and customer satisfaction. I definitely think I made the right decision by choosing them! To start with, they reviewed my dog's vet records and told me up front, in writing, what would and would not be covered as a pre-existing condition within the 30-day refund period. In addition, they were generous with their coverage; there were a few things I thought they would be within their right to classify as "pre-exisiting," but the only thing they said was that as long as my dog did not have another UTI within 9 months of his first one, anything that came up would be covered. Last week, my dog got into some chocolate and had to spend the night at the emergency vet. Healthy Paws covered the entire bill, except the office fee (which is not covered). As of my writing this, it has been 7 days since the incident, and I already have my reimbursement check. So here is the timeline: incident happened Tuesday, July 3rd; I picked my dog up from the vet and left the claims paperwork with the vet Wednesday, July 4th; I was emailed on Thursday, July 5th that my claim had been received, and again that my claim had been processed; on Monday, July 9th I received the reimbursement check in the mail (and it got sent to the wrong address first!). I was already satisfied before this incident, and now I'm astounded. There have been a few other, minor clai

I have 7 animals. My greatest fear was that something might happen and I would have to put one down because I could not afford the vet bill. I was able to afford the $500 deductible for all the animals. I am thrilled with the no hassle claims, the speed with which they are processed, and the real concern for the animal when I have spoken with customer service. One of my spaniels has glaucoma. There is never a problem with the opthamlogists visits and the meds she requires. 2 friends to whom I recommended pets best are equally happy after switching to pets best from another company.

Great communication from support staff, always felt like I was in the loop. Great customization options in the plan I put together. Wished there was a quicker turnaround time for claim reimbursement.