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I had a simple wellness claim with a variety of vaccines, tests, and new medications from my vet. My claim was easy to open, I received a prompt response once it was underway, and I was very satisfied with the outcome. Embrace did a great job of living up to the expectations I had for them when I was deciding on a pet insurer. I will definitely be recommending Embrace in the future!

Writing a review here because Embrace asked me to in one of their emails. I put in a claim with Embrace for a vet visit near the end of my first year. I knew it wouldn't get me up to the deductible, but I wanted to see how the process would go. Embrace received my claim, and only then, after 11 months as a customer, got around to looking at the medical records I had sent in. At that point, I learned that everything my dog has ever seen the vet for, including diarrhea she had in 2014, is a preexisting condition. I had a long back and forth with one of the agents, and it was generally frustrating. I tried to argue against the diarrhea being a preexisting persistent condition, and at one point that agent copied information from the policy (on the time period between intestinal issues after which the issue can be assumed to be gone, 12 months I think) and misrepresented it to me as the reason that my dog could _never_ have any stomach issues covered. Maybe I'm wrong, but I found that whole bit offensive, and to be a serious overreach as a way to set up denials in the future. I am genuinely glad that others have good experiences with Embrace. It's obviously difficult to deal with these sorts of things. I just left my interaction feeling like Embrace was happy to profit from my love for my dog and concern for her wellbeing, without giving much in return. So I canceled my account and switched to another company that my vet recommended.

Insurance with ASPCA has been superb since day one. Submitting/tracking claims is so EASY. Our puppy most recently had a bout of sickness that required a trip to the ER. The claim submission took no time and the processing was completed with a super quick turnaround. In addition, a team member called a couple of days later to check on how our pup was doing. Truly great service all around! I am so glad to have ASPCA Pet Insurance!

The experiences I have had with AKC insurance is a Godsend for sure. We went through many thousands of dollars trying to save our Sheltie from cancer in 2012 and did not have insurance. When we got our new dog we immediately signed up and now have another dog and did the same. The representatives are always so kind and helpful when you call with questions and always eager to assist. This is an expense that I do not mind paying at all. Peace of mind has no price.

Our dog Cooper recently had bilateral patellar luxation surgery. Amidst the stress of a $4,500 surgery bill and caring for Cooper the weeks following the surgery, Healthy Paws delivered! Not only was it extremely easy to submit a claim, but within 1-2 weeks we received a claims check in the mail. They even went out of their way to send a personal email checking in to see how Cooper was doing. I haven't had the best experience with insurance companies in the past and am extremely satisfied with the experience I had with Healthy Paws!

Insurance is good so far, but takes to long for a claim to go through

Our Bichon Frise-Poodle Mix dog, Max experienced a tear in his cruciator tendon and Miniscus as well as an out of joint knee cap during a hop up to our couch! We had him diagnosed with x-rays and referred for orthopedic surgery within about a week. ASPCA Pet Insurance handled the claim very rapidly and paid an excellent amount of reimbursement. They showed true concern for Max and for us. I can not thank them enough for their terrific support. After having this kind of coverage from pet insurance, I can not imagine having a pet without it!

Excellent service! My furbaby Ziggy had surgery to repair a torn ACL. I filed with Healthy Paws and a couple of days later they asked for his regular vet's records. Unfortunately by then I was out of town and didn't reply as promptly as I should have. But not to worry! Healthy Paws contacted the vet and got the required documents. Next thing I knew, I got an email telling me that all was taken care of and that I would receive a check! Yay! I totally recommend Healthy Paws.

ABSOLUTE SCAM! STAY AS FAR AWAY AS POSSIBLE! Found out my Yorkie had Kidney Failure and the only piece of positive news was that I purchased pet insurance about a half a year earlier. After paying out of pocket for all treatments to try and save her life I find out all claims are denied because I took her to the vet a few months before purchasing the policy when she hurt her ankle!! THAT IS NOT A PRE-EXISTING CONDITION!!What's even a bigger SCAM is why did they let me sign up and pay monthly premiums while knowing that they would DENY all future claims?? Furthermore, they kept trying to charge me premiums after finding out my dog had a TERMINAL DISEASE! UNETHICAL LYING CROOKS! I found out today that my dog now has stage 4 kidney failure and needs to go to the ER and be hospitalized at a rate of $1,800 for 24 hours.. if only I was smart and had purchased pet insurance ahead of time *sarcasm*

ABSOLUTE SCAM! STAY AS FAR AWAY AS POSSIBLE! Found out my Yorkie had Kidney Failure and the only piece of positive news was that I purchased pet insurance about a half a year earlier. After paying out of pocket for all treatments to try and save her life I find out all claims are denied because I took her to the vet a few months before purchasing the policy when she hurt her ankle!! THAT IS NOT A PRE-EXISTING CONDITION!! What's even a bigger SCAM is why did they let me sign up and pay monthly premiums while knowing that they would DENY all future claims?? Furthermore, they kept trying to charge me premiums after finding out my dog had a TERMINAL DISEASE! UNETHICAL LYING CROOKS! I found out today that my dog now has stage 4 kidney failure and needs to go to the ER and be hospitalized at a rate of $1,800 for 24 hours.. if only I was smart and had purchased pet insurance ahead of time *sarcasm*