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When I compared Embrace to other companies, on paper Embrace was by far the best. I am happy to see that they are not just amazing on paper. From the plans they offer, to the claim reimbursement process, to the customer service....I must say they are the BEST. They are not the type of company to try to get over on you. Everything I am entitled to is clearly articulated. I have absolutely no complaints.

My best friend is a veterinarian, and when I adopted an English Bulldog she recommended i get health insurance for her through Embrace and I'm so glad that I did. The Embrace staff is accessible and communicative and have always thoroughly answered my questions about the different benefit and policy options available -- they are great over the phone, through the online chat box, and over email. The claims I have submitted electronically have all been approved quickly and seamlessly, and the vet clinics we have worked with -- both my dog's general practitioner and her specialists (she is a bulldog after all) -- always tell us Embrace is the easiest insurer to work with. This is a great company.

I cannot say enough about how wonderful Healthy Paws Pet Insurance has been and what a wonderful experience I had. Healthy Paws empathy and professional service throughout my dog’s life with me was exceptional. I have recommended and continue to recommend Healthy Paws to so many folks. They always had excellent customer service throughout the three and a half years I had my french bulldog mix rescue. Sadly, he was recently diagnosed with cancer and passed away, but Healthy Paws made it easy during the last few months of his life, which was especially helpful during such a stressful time. I never worried about his insurance. Once your online account is set up, download the app. Using the app on your phone is so easy. After appointments or buying medication, all you need to do is take a photo of your invoice/payment and upload it. There are no forms to fill out. It couldn’t be any easier. They also offer a direct deposit option. If you prefer checks in the mail, that is very straightforward and doesn’t take forever. If you have a higher invoice, you can follow-up and they’ll flag it so you are reimbursed sooner, which is lovely. When I first got my dog, his vet discovered that he had six rotten teeth, which had to be pulled. He had to undergo anesthesia, which is very expensive. However, all the bad teeth were covered, minus the usual uncovered fees (preventative care, e.g., his teeth cleaning, and the appointment fee). A few years later, another one of his teeth broke, and the removal of this tooth, and new bad one, were both covered in the same way. Towards the end of his life, my dog was very sick and Healthy Paws covered all the testing to determine why, including a very expensive surgery, which is the only reason we determined that he had stomach cancer. All the other testing—including specific expensive blood tests and panels, several x-rays, and an endoscopy down his throats—were was unsuccessful, so having Healthy Paws is the reason I moved ahead with the approximately $5,000 surgery. With my plan, my dog was covered at 90%. This included all of his pain medication for his cancer, surgery, and any new issues/sickness he had since he was covered with Healthy Paws. I am grateful to Healthy Paws for allowing me to feel comfortable bringing my dog to the vet or for emergency care, including a call to the ASPCA hotline when he ate chocolate, as often as I felt was necessary. Had I not had Healthy Paws, I may not have gone every time, which would have been life-threatening for him, and would not have allowed me to have peace of mind. Of course, appointment fees are not covered, but that’s alright. A few times, I easily emailed/called to re-submit invoices to be reviewed again when I felt I wasn’t accurately reimbursed. In all of these cases, Healthy Paws re-reviewed claims and would happily look at additional feedback from my dog's veterinarian and healthcare providers. In all cases, I was reimbursed for more than I was initially, when the additional information/context was provided. Of note is that my dog didn't have any preexisting conditions, so that is something to consider depending on your pet's medical history. You provide that when you apply for the insurance. There is also a two-week grace period once the policy is implemented, before your pet will be reimbursed. Thus, it's important to have your pet's medical history and policy prepared in advance, for the best coverage. I will definitely get Healthy Paws again for all future pets. Healthy Paws is essential for being a successful pet owner!

I did lots of work comparing many insurance policies and companies and Figo came out on top. I purchased the 100% coverage and could not be happier, especially since my pup had to have emergency surgery after eating a cloth toy. A few months later she was attacked by another dog and had to have an emergency appointment to stitch her up. Figo has an app which is super easy to use. I've had to make 2 major claims so far and they have been wonderful about refunding me promptly.

You people have a RACKET going! If you can't help a person with an older animal, DON'T ALLOW PEOPLE TO INSURE them! I read your policy, and it didn't turn out at all how I thought. Your premium is too high, and I just wasted almost a year and a half of my money on you people! You didn't cover a single item in my claims-- and I submitted NINE claims! I had pet insurance for my bulldogs 20 years ago-- the company didn't operate at all like you. Their policy was short and to the point. I just can't believe I was taken in like this. BEWARE!

We've had Embrace for Duke Ellington the Dog for several years now and they're just plain great. Everything has been easy to do and straightforward, the staff has been fantastic with the few questions that we've needed to call about, and having pet insurance is something you should do. Embrace your pet today!

Health paws is as good as it gets. I've used others but they are the fastest, easiest to use, and most transparent. I wouldn't use any other insurance.

This is an excellent service and one that gives me peace of mind. They are helpful and efficient if you need help with claims and prompt with payments. I highly recommend this product

Simple and easy claims processing - fast and efficient.

Every claim I have submitted has been promptly acknowledged and reviewed. The specialist always answered my questions, and if there was any disagreement, they were willing to listen and consider my side.