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I would not recommend this company to you unless you need the most basic coverage and then it is a toss up if the premium would save you any money or not. Their own rep said it was not generally worth it. That should have clued me in about them, now with 20/20 hindsight. My experience: I took out a policy on our older dog just because she is precious to us and she is slowing down... I wanted to be able to take care of her if anything happened... Their "paperwork" and claim forms are all on line and you need to download them and read the long list of exclusions with a vet... before you give them a dime. Their web site says "we cover straight 80%" of accicents and of all claims after the deductible. I thought short of cancer or something serious that would sound like accidents etc. and meds. would be generally covered. Long and short of it... My dog slipped on loose rug while running on hardwood floors and got a limp that wouldn't go away. I thought oh great! I got this insurance just in the nick of time.... I can get her checked....Well, 3 xrays later and expensive meds I got a bill for $500... from my vet with a diagnosis of a "torn cruciate ligament." No worries ... I have this insurance that covers accidents and meds and I will only have to pay 80% after my deductible.... EXCEPT ---AND YOU GUESSED IT.... I NEEDED TO READ THROUGH TO THE NUMBER 16 IN THE EXCLUSIONS!!! Guess what is NOT covered by this great insurance company... 'Torn cruciate ligaments! " or at least du

Recently our VERY busy and working 4 1/2 yr. old Australian Cattle Dog endured two deep laceration injuries on her left foot. Besides her having to wear the "cone of shame" for 5 weeks and stay indoors, my claims experience with EMBRACE was the bright spot of the entire situation.Upon submitting our claim forms and required vet reports, I recieved an acknowledgment from an Embrace rep (great Customer service)and subsequent settlement. All this happened over the the course of 8-10 days!!! Very impressive...I've had this insurance since our dog was 1 year old and this was our first claim, well worth the investment... Camarillo California

This is the first time we purchased pet insurance. Our veterinary office recommended VPI but after careful research and reading online reviews we chose Embrace mostly because they cover breed specific conditions and their clear reimbursement plan. So far everything has worked out as promised. Customer survice is professional, caring, and quick in their responses. I wish we would have signed up earlier.

Both my dogs have Embrace coverage. Embrace had great reviews when they first signed on, and all have proved to be true. Diesel has been lucky enough to not have any serious physical problems, just allergies. But, Maverick has had a hip replacement and knee surgery. Embrace has been great in helping me understand the coverage they have and very easy to talk to. Embrace also has a very simple process for submitting, they request an itemized list from the vet or doctor, via email or fax. They send an email once the vet/doctor has submitted the breakdown, which helps with knowing the vet is on top of things too. Thank you for your help over these past few years!

My latest rescue has been sick off and on since I got him and having this insurance has saved me a great deal of money. It is easy to file the claims online (if you have a scanner) and the turn around time is very reasonable. I also review other options before buying and I believe I made the right choice.

Like many people today, my finances are extremely tight. I delayed in signing up for pet ins. because of the cost & rumors that I've heard about some ins. companies only covering 'certain' claims, etc. The bottom line is the monthly cost is not that expensive considering the peace of mind it gives me & I love my dog. And the rumor that SOME insurance companies give you a hard time about certain claims, is the reason why you have to do your homework! I did, and hands down Healthy Paws Insurance has the best reputation and coverage is great. The staff, in particular Terah & Jen have been outstanding and extremely helpful in walking through the process with me.

I researched many different pet insurance companies before I decided on Trupanion. They are by far the best around an I havent been disaappointed yet. We have an English Bulldog and they are prone to have many different health issues, but Trupanion overs the best all around coverage by far. Claims are expedited fast and efficiently. One of the most amazing things to date was when we lost our last little bully they actually sent a condolence card that was HAND WRITTEN. It meant that we werent just another customer, that they truly do care. Thank You Trupanion!

I researched many different pet insurance companies before I decided on Trupanion. They are by far the best around an I havent been disaappointed yet. We have an English Bulldog and they are prone to have many different health issues, but Trupanion overs the best all around coverage by far. Claims are expedited fast and efficiently. One of the most amazing things to date was when we lost our last little bully they actually sent a condolence card that was HAND WRITTEN. It meant that we werent just another customer, that they truly do care. Thank You Trupanion!

claim handled in timely fashion. all questions answered. have received good advice on how to make claims process for my newest dog easier. all in all, highly recommend.

I have two poodles from the same litter, although they are as different as night and day. Nora has food allergies and I am constantly changing her food and at the vet for eye drops and antihistamines. Nick has very sensitive ears and has chronic yeast infections in them. So I have a medicine chest full of canine drugs. Nick also has a thyroid condition and takes a hormone supplement. Thank goodness for ASPCA pet insurance. They are prompt and fair and what's best is that I know they are there should there be major illness or accident. I am so happy with them that I convinced senior management at my employer to bring them on as an employee benefit to our employees at a 5% discount. Our employees are loving it!