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Have had my policy for 8 years now and they have paid and not paid. Most disappointed in the large claim they did not pay for a kidney removal on my dog at the age of three. They called it a Congenital Defect even though she showed no signs of a kidney problem and we only found it while trying to determine back pain. We fought and fought the claim to no avail. They wouldn't budge on their decision.

Our dog went in for a standard checkup where we discovered a sarcoma in his hind quarter. Fortunately, we were able to have it removed and treated at a fraction of the cost. Even subsequent follow up care (of course there's always unplanned / unknown adventures post-surgery, right?!) has been covered. Submitting claims has been simple; reimbursement has been prompt, communications have been clear. Only downside is after we submitted the claim for sarcoma, our chart was reviewed and several non-related 'prior' conditions were subsequently excluded from future coverage, which seemed a bit odd since they had not been excluded when coverage was offered and purchased initially.

I could not be any happier with Embrace. Of all the things I do for Kazia, this the most important, so I am very grateful to have coverage by Embrace. The coverage is excellent, the price is very affordable for the services the company provides and the founder and staff are amazing. They are personable and professional. They are knowledgeable and compassionate. But most of all they care about the health and well being of my companion as if she is their only client.

Embrace has never questioned any of our claims. Much unlike a prior pet insurance we had. I am grateful for that and the fast processing service for payment. Thank you so much.

Some people say that pet insurance isn't necessary. Wait until their pet has a serious condition. ASPCI/PI has been a reliable backstop for my black lab for seven years. They do what they say they will do with no fuss. I am glad I have them. So is my dog (I think).

While most companies leave me suspicious and unsatisfied, Embrace has never failed to meet and even exceed expectations. Going on nearly a decade now, their claims are fulfilled as promised and in an incredibly fast time. Perhaps most important is customer service. They always responsive and kind. When I lost my forever friend they sent hand written well-wishes. I truly love this company and the people who work there.

Our 2 year old Malamute has experienced multiple health problems that have been associated with significant medical expenses. Healthy Paws has stuck to their end of the deal and rapidly reimbursed us for all expenses per our agreement with them. The claim process is simple, the people are professional and they seem to genuinely care about our pups wellbeing. I am very grateful to have had the foresight to purchase insurance for Ruby. Healthy Paws is a top notch company who sticks to their word in a no nonsense manner.

We purchased pet insurance for our Cattle Dog Kona who is our first child within a few months of getting her. At the time we did it because we knew that when faced with a tough decision we would totally blow our budget and do whatever was necessary to help her. Unfortunately we had to use our insurance for a horrific accident that left her with a broken vertebrae and spinal damage/motor impairment. Healthy Paws has been there through surgery, medications, overnight stays and post operative care including rehab. Their online claims submission is quick and easy and we have yet to be surprised by or challenged on coverage of something we didn't expect. Not to mention, when you send an e-mail or ask a question you get a timely answer from real, helpful staff and not a runaround. Thank you again and again Healthy Paws for helping us get our baby girl healthy and active again!

If you are looking into pet insurance, Healthy Paws is the way to go! We decided to purchase pet insurance for our dog, Sampson. We have been happy with the service, communication, coverage and plain kindness of these folks, but never more than now, when Sampson has been diagnosed with cancer. From the first visit to the ultrasound to the big oncology visit we have today, I know Healthy Paws is with us. The claims service is excellent and has been simple to handle. What matters even more is that the claim handlers really care. As soon as i submitted an invoice, i had a response, and the claim was handled within a day. And the personal touch is so evident, with the "give Sampson a hug" to "we are so sorry" along with the great service. Thank you.

We bought insurance for our puppy as soon as we brought him home. Our friends and family made comments like "it's a waste of money" "you must live your pet more than me" As it turns out, our dog is accident prone and the insurance has already paid for itself. I'm SO happy with Embrace and recommend it to anyone who will listen. After a lot of research on choosing a pet insurance, I'm very happy I went with Embrace.