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EVERY claim they have managed to find some ridiculous reason not to cover it. Don't be fooled by the $200 deductible.......you could spend thousands of dollars in out of pocket expenses for your deductible and they get to decide exactly how much they want to release towardsyour deductible! TERRIBLE!!! SAVE YOUR MONEY AND JUST PAY THE VET BILLS OUTRIGHT......YOU WILL SAVE MORE MONEY IN THE LONG RUN!!

I am so grateful we bought coverage from Embrace. Our new puppy has been quite a handful in his first 4 months with us. He has done everything from eating knee-hi's to breaking a leg. When I received my coverage for my new Bernese Mountain Dog I immediately had the vet fill out the forms and examine him for the Orthopedic Waiver. Thank goodness!!!!!!!!!!!!!!!!!!!!!!!!!!!!! He actually later BROKE his hind leg and it required SURGERY. Embrace was great. They collected all of the necessary information from the veterinarians and surgeons and processed my claim promptly. Everything from his after-hours emergency care to his surgery and aftercare were covered exactly as the policy stated. I have been so grateful for Embrace's service and coverage. It has been a lifesaver in more than one way.

your charges for procedures need to be increase. They are not near what vets charge.You say you pay 80%, but you dont tell that 80% of what you think the charges are. So I could end up paying up to 75% or more. Please take under advisement.

We have an injury proned Rottweiler named Sasha. She has had cruciate ligament surgury on both hind legs, and surgery for a herniated disc the was pinching here spinal cord among other less serious things, and she's only 4 years old. Embrace has greatly helped us to be able to afford to get our pup healthy.

My French Bulldog is a handful. I'm so glad I found Pets Best to help me with her. I recently switched from another pet insurance company who were less than helpful. Pets Best have been courteous, prompt, and delightful to deal with. My frenchie recently had some health problems and Pets Best really came through as promised. Other insurance companies I have dealt with would have given me the round around. Pets Best are honest and have earned my trust.Thank you!

This is our first time to have pet insurance -we lost our family dog of 10 years last year to cancer and our vet bill became very high as we spent months trying to save him. We have another dog now and we wanted to make sure he has good vet care his entire life and that we could afford the unforseen care that he may need in the future. We have been very happy with Embrase and their quick response to everything.

Reimbursement came quickly after I filed the claim. I've always had a great experience with ASPCA insurance .

Our 1 year old Westie, Zoey, started vomiting and having diarrhea late on a Friday and ended up in surgery by Sunday evening, racking up over $4,200 in vet bills (at the emergency animal hospital, no less). It took longer to get all of the paper work to send to Healthy Paws than it did to get the claim resolved. They responded to and settled our claim quickly. I can't express how important that was. We were already so worried and stressed out about the surgery, let alone the cost. The fact that Healthy Paws doesn't care which vet you go to and covers 90% of all of our costs (less the initial vet visit and our $100 deductible) validated our choice for pet insurance. I couldn't recommend them highly enough!

I chose Healthy Paws after reading all the positive reviews BUT I was very disappointed. They denied all the claims that I submitted with the same reason that they are all related to the preexisting condition. They were also very slow in processing my claims. I had to follow up to make sure that they received the claims I submitted. It was a waste of time.

Let me start by saying that I'm medical insurance broker in los angeles and paid to advise clients on employee benefits and insurance value for humans. While I dont sell any pet insurance I decided I would sign up for one since I purchased a large breed and thought there could be hip issues down the road. 2 years later our 6 year old pitbull rescue (named fluffy) was diagnosed with cancer. Health paws not only paid the claims quickly (I handle claims issues with dozens of health and life carriers on a monthly basis, so trust me healthy paws is fast!) but showed the intelligence to cancel our plan and refund me the remaining part of the month after she unfortunately had to be put down. Included was a sympathies memo on the statement. A week later an actual hand written card showed up with notes from several employees. I was stunned. All this from a faceless Internet insurance company! Well they certainly aren't faceless to me anymore and I can ensure you I will completely recommend this company to anyone who asks. Yes the money back from claims helps,But the personal touches did far more for me though during this rough patch of family life missing one of its best members. A very nice touch from a company that didn't have to do anything but send a check. When we are ready for our next dog, healthy paws will again get our business and continued loyalty. This is how to build a lasting business! With service like theirs I expect them to continue to grow.