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I signed up with Healthy Paws insurance for my dog Murphy, in 2013, when he was a pup. It was my first time buying pet insurance, so I read the reviews, found Healthy Paws was rated highly, so I signed up (80% reimbursement/$250 annual deductible). About 5 months later, Murphy developed a benign growth on his face and I had it removed and submitted the claim to Healthy Paws for payment. Easy! The claim was paid w/no problem. Then, last week (8/16), Murphy went in for a bi-lateral TPLO (major surgery on both back legs). The bill was going to come to around $6,400. I called Healthy Paws to see if pre-authorization was required. I was told no, just email them the invoice and claim form. The claim was processed within 24 hours and the check is on the way. (They even sent an email, asking how Murphy was doing!) Any dealings I've had with Healthy Paws has been professional and caring. With the high cost of vet care, it's a good idea to have pet insurance, and I strongly recommend Healthy Paws based on my experience with them!

We had our six month old female puppy spayed and her shots brought up-to-date. Even though we were not reimbursed the full amount of our claim for her Wellness Insurance, we were pleased with the amount that was reimbursed to us.

Very easy to use; fair prices. Our vet submits the request for reimbursement, so this is very easy. Had a different pet insurance with our last dog, and we really like Embrace much more.

I have nothing but positive things to say about Healthy Paws! I did a lot of research before deciding to go with them over other insurance companies and I am so glad I did! Healthy Paws customer service team is kind, easy to get ahold of and have handled my claims very quickly. They also checked in to see how my kitty was doing after his surgery! Filing claims on the Healthy Paws app is so easy and fast! I highly recommend!

ASPCA has been great with reimbursement, follow-up, and customer service. I highly recommend this insurance for pet owners.

Embrace has been extremely easy, helpful and quick with any issues or concerns we may have. We have a fairly high maintenance dog and she's at the vet quite a bit. Embrace issues our refunds very quick and is pleasant to deal with any time we have a question. I would recommend them to anyone who wants a great partner in healthcare for their pets!

I have had 14 cats in my life and now have three – Twixi -5, Smoochie – 4 (picture attached of the 2 lovebirds) and Squiggles – 4 monthsI have used many health insurance companies with lots of frustrations until I found Healthy Paws 4 years ago. And they are just AMAZING! Within hours of submitting a claim, and I am talking about thousands of dollars (even on weekends) I get an email from them stating “claim processing” and then several hours later “claim completed”, click here for summary. They do not keep requesting more and more documents and look for a million reasons not to pay like other pet health insurance companies. And they have a “super app” where you just take a photo of your paid itemized invoice, nothing else and push submit claim and done. And their pricing is also very competitive covering more illnesses than other carriers. In fact, I was so impressed and elated when they covered “home physical therapy” for my Smoochie who had a very unusual spinal stroke and have paid me tens of thousands of dollars so she can still be part of our family. Also, the staff is so nice when you speak with them, very responsive – they just really care and it shows. Bottom line, they respect and believe in their clients. I love to see nice little positive uplifting notes in their emails covering claims. I feel so fortunate every time I hear from them. If 10 were the highest rating I would give them a thousand. My congratulations to the founder, owner for running such an efficient caring business. And my husband’s biggest wish is that he wants to make me as happy as Healthy Paws does.

Pets Best first of all will find every reason to deny your claim. The hassle of appealing just to try to get them to pay out claims is unfathomable. Once you begin coverage with this insurer they then switch your coverage to another underwriters which makes your premium go up because of your senior pet. If you have senior pets beware! Pets Best will switch underwriters on you claiming it is due to increase/rising costs for veterinary care which is not true in our area. They will find every reason to deny your claim and you will have to fight to try to get something covered by Pets Best

Very happy with Embrace on the accident and illness coverage. We have a Chocolate Lab and she is 2 years old and always into things and full of adventure. And of course with that being said. Already had to take to her to the vet with an injury to her leg and shoulder. Embrace help and sent me all the claim forms that we needed and reimbursed us right away!! We couldn't be happier. Great Customer Service!! Would recommend to anyone that needs pet insurance.

"Free dog." Suuure! When our "free" 9-year-old dog Kibbie fell in January, he had to have a surgery to remove his tendons and ankle and replace them with a steel plate. This month, we found out that he also cracked two molars in that fall--one of which could be bonded, the other of which had to be removed. Total cost? Without Healthy Paws pet insurance, we would have paid about $7,500. With the plan we've got, including the $45 monthly charge for the insurance, we paid a $250 deductible, followed by 10%--$975 out of pocket for the healthcare (or $1,290 when you factor in the monthly costs of having the insurance, plus our cost for the care). Savings so far this year: $6,210. Thanks to Healthy Paws Pet Insurance, Kibbie is healthy and happy and we are not broke.