Find and read reviews with confidence

I am truly upset and frustrated with this company. I hate the 30 day wait period! Not only that if you submit a claim with several charges, they do not question the individual claims they will deny it all together. The wait time on the phone is longer than it should be. The 80% reimbursement is only on the allowed amount they feel should be charged. For instance is a vaccine is $20 but they feel it should only be $10, they will reimburse 80% of the $10.

This is the third claim I've submitted to Embrace and so far they have an excellent record on fulfilling their brochure promises. My kitty had pretty extensive medical needs this year, and I didn't have to fight with them about coverage - unlike my "human" insurance!

Gracie had a lump on her head just above her left eye. I noticed it was growing larger each month. I took her to the vet and they removed it. Embrace paid quickly.

We had just purchased pet insurance, and had it for sometime when our rambunctious little dog Trixie stepped on a fox tail while chasing a bunny at her favorite park. what cost us close to $300 ended up costing about $100 plus dollars. And that was at an emergency clinic, which we all know can be very expensive. we are so glad we had ASPCA pet insurance. And so is Trixie, still chasing bunnies, but not in that fox tail infested field anymore.

Ive had insurance for a number of years, maybe 7 or something. At the beginning I was reimbursed for at least some portion of nearly every bill. seems the reimbursements are far fewer these days. Its not a user friendly system, in terms of knowing what is/isnt covered. but i keep buying it, in case something major happens.

In 2001, my husbvand and I lost our black Lab, my husband knew how upset I was and he was the same after all Mickey was 17 years old. My husband started looking for an Australian Shepard, we found a litter of pups in our area and we went over to take look. We walked into the puppies cage area and I feel in love with this 6 week old female she was merle colored and had one blue eye and the other eye was half blue and half brown. Both her parents lived on the horse ranch with the pups. We tookher home with us and the next six years were a pure delite, everytime I went to the store and shopped I would pick her up a toy. When I would walk in the house she immediately had her head in the grocery bag to find her toy and would play with all the 300 toys she had and never chew them up. On December 5,2007 she stopped playing and eating, I immediatley took her to a veterinary hospital and unfortunately the vet misdiagnosed her illness. On December 19, 2007 I took her to another veterinary hospital and the Veterinarian there stated to me that he did not like what he was feeling in her abdomen and he wanted to do surgery on her. He asked me to go home and he would call me from the operating room. Three hours went by and I was about to go crazy when the phone rang, it was the vet and he stated that he was standing in front of Lillie and he stated that she had over 40 cancerous tumors along her back bone and in her bladder and her liver. He stated that to keep her from suffering

My rescue Aussie began getting itchy a couple months after we first bought an Embrace policy. Soon, she was spending much of her day chewing and licking herself, and often woke us up in the middle of the night with her scratching. We decided to try homeopathic treatment for her itching, and have been very pleased with the progress so far. The itching has decreased dramatically and she is even more active and happy than when we first brought her home. Embrace covered her certified veterinary homeopath's phone consultations in full. I am so glad that there is such an enlightened pet insurance company out there - their coverage let me try a treatment with few side effects that has also turned out to be very effective. They also have quick turnaround time on claims, helpful staff, and wonderful communication with their clients. Just a great company.

I have had VPI in the past and it is a nightmare. You think you are covered for those large bills and you are not. I had an insurance agent check Embrace out thoroughly and they are by far the best. I have 8 dogs so insurance is a must in my home. You will not regret insuring your pet with Embrace.

My husband and I wanted to be able to afford to give our rescued Australian Cattle Dog, Sara, the very best care for the rest of her life, so we enrolled her with Healthy Paws Pet Insurance. Approximately two months after signing her up with Healthy Paws in February, I noticed occasionally lameness in her right back leg. I took her to her vet, who examined her and gave the diagnosis of a partial cruciate tear and recommended surgery. (not an unusual injury for very active and athletic dogs). We also consulted with a highly recommended surgeon. He confirmed the diagnosis of Sara’s vet and explained two procedures and gave me estimated costs for each--Cranial Cruciate Ligament Rupture—Modified Retinacular Imbrication Technique (MRIT) (approximately $3000) or Tibial Plateau Leveling Osteotomy (TPLO) (approximately $4000). I submitted the estimates to the Healthy Paws Claims Team. Even though the TPLO was more expensive, they did not hesitate to encourage me to go with the recommendations of the surgeon. Sara had surgery on a Friday. On Monday I submitted the invoice and received a 90% reimbursement within 72 hours…FAST REIMBUREMENT just as they advertise. AND, with an explanation and breakdown that was so easy to follow and understand. And if this isn’t enough, I just learned that hydrotherapy for Sara will also be covered! The Healthy Paws Claims Team was so supportive—they all have pets and are so knowledgeable about everything related to dogs, including this specific surgery

I faxed the claim on sunday and got a response monday.That is quick and I was told my check was in the mail. Could not asked for better service