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I have had policies on two of my three cats for 2.5 months and these are the first pet insurance policies I have had despite having cats all my life. My experience with the other uninsured older cat and her intestinal cancer led me to getting coverage on the younger two. The youngest went into acute respiratory distress and I took him to an emergency 24/7 clinic. The care was prompt, professional, and seemingly clinically appropriate. Too bad our emergency rooms cannot be as effective. He was there two days and in my opinion was saved as a result of the intervention. The total cost was $1060. I filed my first claim and one month and 2 days later from mailing received the check. The amount was accurate and the Explanation of Benefits was clear and understandable. Again, too bad human health insurance cannot do as well. I am very pleased with this outcome and would strongly recommend Embrace Pet Insurance and the clinic that saved Max (my cat).

"Embrace"always handles pet care for our little dog "Cookie" in a mellifluous manner. "Thank You Embrace, for your champion efforts. May your staff enjoy a wonderful Holiday,and a prosperous new year. From Larry and Jackie Britton. Cookie gives you a "Paws Up."

Healthy Paws has provided our dog an amazing health insurance! Our healthy energetic 3-year old German shepherd was suddenly very sick and had high fever. We made several visits to the vet. Soon after, we found a lump in her neck, which grew large enough to make us very concern. Our vet suspected that this was caused by some infection. The lump grew large enough that our shepherd was referred to a specialized surgical center. Our dog had to go through a series of treatments and tests including x-rays, biopsy, and ultrasound. She had a very complicated surgery in which the effected tissue had to be removed and tested for infection or cancer. In addition she was hospitalized following the surgery for a day. The total costs for all treatments and diagnosis ended up being over $3500. We were paid for everything that the policy had promised us and were very satisfied with the service. Everything that Healthy Paws promises in their policy is clearly stated without loopholes or misstatements. The claim process was very easy. Although this was our first claim, our check arrived in less than a week. Healthy Paws is the best pet insurer out there. I highly recommend them to any pet owner.

There was an error on the resolution of a claim for one of my dogs. I called, spoke with a rep, and the problem was resolved within an hour. I call that incredible service. They told me what they would do, and did it immediately. This is how you retain customers. I am very pleased with their desire to answer all questions and promptly.

I took out a policy on a labrador retriever puppy in June of 2011. About six months later he was diagnosed with Entropian Lower Eyelids. I had to take him into the Opthamoligist 4 times for re-tacking procedures and finally the time came for surgery. Over a six months period I filed multiple claims and each one was paid withing 3 to five days. The folks at Healthy Paws are excellent and very knowledgable folks and try to look for ways not to pay, In fact they advised me on some other things I had not submitted to them and they paid them as well.

The rapid turnaround on claims is impressive and far better than my own health insurance. I'm very glad I decided to but Pets Best for my dog.

I put in my first claim, and although it was a bit of a nerve racking wait, I was pleased they paid what the said they would. I had insurance for years with another company that was good to me, so changing was a bit of a risk, especially since I have 4 dogs on insurance. I had heard good things, so I changed. Now I need to tell all my friends who don't have insurance, that maybe they should consider EMBRACE.

Great friendly & speedy service. Thank you.

Our 8 month old German Shepherd Phoenix exhibited a limping in her left front leg. We took her to the vet where “pano” was indicated but while investigating that issue the vet discovered that the two lymph nodes on either side of her lower throat were greatly enlarged. Yikes!!!! He did a biopsy of one of the nodes along with extensive blood tests to try to find the cause. At this point we are not sure of the cause but have ruled out several of the more serious possibilities. The total vet bill so far is $1068.08. I submitted documentation for the claim by email on Monday 9/10. That same day, Healthy Paws went to work on the claim, asking for some additional vet notes directly from the vet. The vet supplied the notes on Tuesday 9/11 at which time I got an email from Healthy Paws indicating that the information was complete and the claim was being processed. On Thursday 9/13 I received notification from Healthy Paws that the claim had been processed in an email which included the explanation of benefits. Notice that the claim was already processed on day 4. So they are fast, but did they pay what the policy said would be paid? Yes, to the penny. My policy has an annual $250 deductible with 90% coverage. NOT covered is the exam fee of $36.50 (as stated in the policy), and so the calculation went as .9*(1068.08 – 36.50) – 250 = $678.42. So they are fast, pay what they are supposed to pay, but are they pleasant to work with? Yes, definitely pleasant. I have communicate