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Along with all of the accpeted techniques of training a dog (crating, puppy classes, hollistic foods, etc.), buying pet insurance was just not something anyone we knew did back in the 70's and 80's when I grew up. However, veterinary costs weren't what they were back then either. So, I have a family of my own and we put in our reservation with the breeder and our "little boy" was born on Halloween, last year. Our breeder gave us tons of material to read about training, health, etc., etc. Thanks to the internet, I read up on the costs of animal surgery...my jaw dropped. I knew, right away, that if I could find an insurer who charged reasonable premiums for major medical coverage - I would buy it. All of the great review for Healthy Paws drew me to read about them first. It was hard because my employer has entitled me to a discount with another popular insurer. However, there was something more personal with this carrier. I appreciate their mission and I felt that their coverage was excellent for the premium charged. Last week, our pup (Brady) began throwing up repeatedly. My wife was becomming very concerned and so she brought him to the veterinary hospital. Sure enough, he had a foreign object in his system (later, it looked to be a Brazil nut in its' shell). They gave him fluid therapy, x-rays and something to help him pass the object (thank goodness - no surgery was suggested at that point). Bottom line: He passed it. So, I submitted the claim to Healthy Paw

Response to my phone calls or emails was very expedient. Everyone was helpful. I have recommended your company to every dog owner I meet in the neighborhood

Response to my phone calls or emails was very expedient. Everyone was helpful. I have recommended your company to every dog owner I meet in the neighborhood

The claim process is very simple and the turn around is quick. I signed up for pet insurance after realizing how expensive one trip to the hospital can be. I wish that I had purchased pet insurance from the very beginning of my dog's life. I have a mixed breed, a cavalier king charles mixed with a poodle and he's terrific most of the time, but he get sick just like me sometimes and he needs medical care and attention and medicine which can be costly. Having the pet insurance gives me peace of mind and allows for me to better care for my pet.

The claim process is very simple and the turn around is quick. I signed up for pet insurance after realizing how expensive one trip to the hospital can be. I wish that I had purchased pet insurance from the very beginning of my dog's life. I have a mixed breed, a cavalier king charles mixed with a poodle and he's terrific most of the time, but he get sick just like me sometimes and he needs medical care and attention and medicine which can be costly. Having the pet insurance gives me peace of mind and allows for me to better care for my pet.

Easy, quick and straight forward.

Easy, quick and straight forward.

Pleased with ASPCA

Overall Embrace was great and timely about processing my claim. There was some confusion regarding how many forms I needed from vets, but after a few emails this was cleared up. My only complaint really would be that I understood Embrace covered Chinese herbs if prescribed by a vet (and one of the reasons I chose this company). This is what I submitted and felt I had met the requirements (prescribed by a vet). During the claims process, I found out they reimburse based on an FDA approved list and this list was only made accessible to me after several emails back and forth and a specific request to do so during the claims process. I would have preferred this link to the FDA list be noted on the website for people to see during the process when they are deciding if they will purchase insurance. This one point felt a little "bait and switch" but overall the claim was handled and they emailed throughout the process so I didn't wonder if my claim was sitting on a desk somewhere.

I decided to get pet insurance on my three cats so could make sure they would properly be cared for should an accident or illness occur. My one cat Puma was having some soft stool issues and when I took him to the vet they found he had an extremely high liver enzyme count. Many trips to the vet and lots of tests later($$$), Puma's enzyme count is close to normal and he is a happy healthy boy! I made several claims on Puma and I always receive payments adjusted fairly and in a timely manner. Not only did having the insurance save me hundreds of dollars but gave me peace of mind. The premiums I've paid on all three of my cats has been offset by Puma's claims.