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Claims are too complicated to file, already having to take your pet to a vet and then asking for the progress notes is work, but in order to file a claim you must have physician signature and between faxes or traveling it is just an overall complicated process. People spend thousands on Pets but the coverage is complicated on what they will and will not pay for.

First Claim: Even though all of our claims were not covered due to pre-existing condition, Embrace fairly evaluated the claims and covered everything they could. We were pleasantly surprised.

I am so glad I had Pets Best insurance for my pet. The coverage was exactly what was explained to me and allowed me to provide emergency care for my pet.

Pets Best was fantastic! Filing a claim was very easy, and they got me refunded right away. Im very happy with their services and glad they were there for me and my furbaby. "

Thank you for processing our claim in a very timely manner. This was our first claim and we are very satisfied. We truly appreciate all your help and taking care of our pets. This gives us satisfaction that in time of need you will take care of us and our pets. Thank you - Johnson's

We got an Bull Terrier, AKC and UKC registered. Beautiful pup. As soon as we registered him with AKC I got the insurance information from AKC, called Pet Partners to find out the detailed and specifically asked for the insurance the would cover everything. I signed up for the one they told me was their premium insurance and it would cover everything a small deductible. I signed up for and it cost me around $55.00/month. The first time I was frustrated was when our pup had a reaction against the microchip that the breeder's vet inserted. We took him to our vet, had to get it removed. It cost hundreds of dollars. When I sent the claim it was not "covered" because the microchip was inserted prior to the insurance began (and prior to us owning our dog). Fast forward to when the dog was one year old, we found out he had a congenital heart condition and to stay alive he would need to take 4 different medications. I thought "thankfully I signed for the higher insurance". No such luck. Pet Partners did NOT COVER any of his bills they pointed me out to the small print in the back of the agreement that excludes "congenital conditions". I asked how come I was told this insurance would cover everything, they should cover at least the vet visits and cost of taking the dog to the ER before we found out he had the heart condition "there is nothing we can do" was the answer received. Thankfully we were able to afford and give our pup the best we could for the short life he had (he just passed at 3 years old) I do not recommend them, and suggest you find another insurance. That's what I am doing with the new pup we are getting.

We've had Embrace for about 7 months now and it is definitely worth the value. No other companies even come close to the coverage that Embrace provides. We have had no issues with resolving claims. Customer service is excellent and we always receive reimbursement in a timely manner. HIGHLY RECOMMEND Embrace!

I never wanted to have to let money be the deciding factor in care for my furry family member. I had another insurance company and they were just hard to deal with. Embrace is a good value and extremely easy to work with, the claim process is easy and I have never had an issue.

Embrace has been professional and timely with all of my claims. I appreciate their willingness to review and complete the claims quickly and fairly. With an older dog, there is much history to review, but Embrace has been consistenly timely with their reviews.

I'd never had pet insurance before but when my Puggle puppy was eating things he shouldn't and winding up in the Pet ER, I decided it was time. I went to work reading reviews. I decided Healthy Paws was the way to go and boy was that a good decision! Our sweet, exuberant Puggle has had bladder stones, a liver shunt and just recently a cruciate ligament tear. Thanks to Healthy Paws, there was no need to fret, as my policy covered 90% of the cost of all surgeries, medications, x-ray's, etc. The claims take about 5 seconds to file online and the processing is super fast. Now, our sweet boy is currently recovering and is happy as ever. Thank you Healthy Paws for your caring and devotion to our fur babies!