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I've never had an insurance company be so thoughtful. When Mimi's four bones broke on her tiny back paw, I was horrified as if she was my child. So I was relieved to have Healthy Paws as my saviour; especially my husband, whose eyes grew like giant black saucers when the vet told him the estimated costs. Like any other insurance claim, I was afraid there would be some sort of loophole where Mimi's injury would not qualify for coverage. So I was so happy and relieved to see how quickly my claims were processed. I was telling my staff in the office about it. Mimi is still hopping about on three legs with a tiny cast on her fourth. She will have it rebandaged a few more times, and xrayed in November to make sure it's healed, Thank you again,

I have a 6 year old cat that had rarely vomited for hairballs. I had mentioned it at a doctor visit before I got this policy but wasn't concerned as it was rare and she never stopped eating. Shortly after getting this policy, she had an incident where she was vomiting a lot and I was concerned for her health. I filed a claim for the doctor visit and was denied by Trupanion because they felt it was a pre-existing condition. Even after an appeal and a letter from the vet stating that it was unrelated, the claim was denied. I let the matter drop and she was fine for over a year. She then started having a vomiting episode and this time stopped eating altogether. Again, the claim was denied...even after over a year of no problems. I have summarily cancelled this policy and will never recommend this company to anyone. It certainly did not help me in any way and I felt that it was a huge waste of time and money. You are better off putting aside $30 to $50 a month and using that to pay the vet directly.

I have used several pet insurance companies over the years for previous pets we've had, and I only recently learned about Healthy Paws. They had strong ratings and good word of mouth reputation, so I gave them a try with our new puppy. He had a couple unexpected issues pop-up simultaneously (a stomach bug, a skin infection, and also a muscle strain/sprain), and we were able to easily file all of his claims and clearly read the explanations of benefits from Healthy Paws. Their lightning fast claims review (sometimes the same day) and super prompt reimbursements have been much appreciated.The process is super easy w/ their mobile phone app, and they follow their contract policy to the letter. I think their premiums are fair and reasonable as well. Very happy customer.

Submitting my claim to Embrace was very easy and quick. I only had to wait a few days for my claim to be submitted.

My one year old kitty, Malee has had a few minor issues since rescuing, the last was hot spots, probably from seasonal allergies when going outdoors for her daily supervised time. Embrace was quick to evaluate and pay the 80% to my account within a week. The last visit was to a holistic Veterinarian, which I like to use as much as possible, avoiding prescription drugs and using natural treatment. I love that Embrace covers this without any limits, just like conventional coverage, which I also use when necessary. I am so glad that I chose Embrace for my beloved fur baby !

Service was, as always, first class. Good communications when the process was underway and a speedy and fair response at the end. thank you

We've been treating our dog for a mammary tumor that has encompassed three different doctors, a surgery, and follow on medication and treatment. The turnaround time for the claims has been excellent as in just one month, we accumulated roughly $3,000 over medical bills which 80% is funded back to us. Highly recommended and great options provided for deciding how much coverage we wanted for our rescue dog.

My Shih Tzu is 9 months old and I purchased Embrace insurance before I picked her up as a puppy. I spent a lot of time researching the different pet insurance options and reading reviews. While there are a few companies that look to be pretty highly rated overall, I selected Embrace – and I have been very happy. I decided to include a wellness plan as part of my illness plan since a pup’s first year of life has a lot of wellness visits, and the discount from these costs help offset the illness coverage. After each visit, I promptly received the wellness claim payment. Pup has been very healthy and, much to our surprise, tested for high liver enzymes when getting routine blood work for her spay surgery. We moved forward with recommended testing ($650) and a liver biopsy ($500). Since these were the first illness claims, I wasn’t sure how it would go. Embrace did not disappoint. Since I had already submitted her baseline medical records, the claims were reviewed and paid promptly (2 weeks). During these 2 weeks, I contacted customer support to ensure they had all the information they needed and the representative who took my call was very friendly, explained the “under review” process, and confirmed no action was needed by me. I highly recommend Embrace. It is insurance, you may need it, hopefully you will not. But if you do, it eases the financial burden an illness can create.

I am always impressed how quickly they settle the claims. Superfast, often times in one day! They are honest and straightforward. I would not go anywhere else.

I am always impressed how quickly they settle the claims. Superfast, often times in one day! They are honest and straightforward. I would not go anywhere else.