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With Embrace submitting a claim is easy. They email me when they receive it, when it's being processed and when it's been finalized. I love that they cover Wellness!!I've had other pet insurance but Embrace covers more and I get more reimbursed than other companies. I highly recommend Embrace.

We have had good luck with our very healthy lab, Oliver. He is now 5 yrs. and this year is the first time I had to file any claims, unfortunately, we had to file two claims. One was earlier in the year for an unexpected surgery due to a lump that was thought to be cancerous and just recently, for an unexpected minor injury. Embrace was right on top of both claims and we have received reimbursement quickly. This insurance is such a blessing! My husband has been laid off for the past year and a half. We really were nervous about being able to afford the appropriate care that Oliver needed. Embrace has definitely taken that worry off our backs!

We have a special needs dog and thought pet insurance would be a good idea. We tried a few carriers with higher premiums, slower service and many more exclusions. There is a reason why Healthy Paws is number one. On top of having comprehensive coverage, quick turnaround times they even emailed me today to check in, yes check in, on my pooch. Omg. 💙

I submitted a claim for my dog Max when the vet found a lump on his leg and had to remove it and test it to determine whether it was cancerous. I submitted the claim shortly after the visit and received notice within less than a week of the amount that was covered by my policy. I was really surprised by the fast response. I also liked the fact that they followed up to see how Max was doing. It made me feel like I was dealing less with an insurance company and more with a company that really cared about my pet.

Usually I never review anything. This place is unusually good. I bought this insurance in October and had three claims since then with no hassles. Last week I turned in a bill at 9am and got a response back from them by noon saying my claim was already processed and that a check was going in the mail. I got it 2 business days later. No joke! I have had no increase in premiums nor was it a hassle submitting a claim. No questions were asked even. I wish I had this for my health insurance instead of Blue Cross/Blue Shield. The best part is that its super easy to file. Our vet filed for us twice for free and I filed once myself online. Although we own a dog. This place is the cats pajamas. Pun intended.

My dogs are 11 and 12. I've used VIP a long time, but since they've got older I'm not pleased with VIP. My female had a urinary infection that just could not get ride of. The test and meds were a total of $1300. I thought this was pretty straight forward, I have the best plan I could buy. They denied the claim said they needed more information! It's a urinary tract infection! I also filed one awhile back on my other dog with same response . I lost a dog to cancer last year and it cost me over $30 plus postage to mail all my records and when he died, the compassion was non existent. VIP you have changed!! What Happened ? I used to be so happy with you.

This is my second dog covered by Embrace Pet insurance. I have not had good luck with the health of my dogs, but Embrace is ridiculously good. I'm a 30 year veteran of the insurance industry so I read the contracts. This is the best contract as written. Clear and comprehensive coverage at what you are charged for care, not what they think it should cost. Service is ridiculous. They process claims within 2 weeks always and often within a few days and they email you to let you know they received, that they are processing it, that they sent payment and to check to make sure you received payment! People should be treated this well.

Sent the money in a timely fashion, faster than human insurance, would highly recommend this company, no hassles at all.

My little maltese poodle was in having his teeth cleaned when the vet noticed he had a tumor on the back of his tongue which I was shocked to hear but I knew he would be ok and that I could depend on getting reimbursed from the ASPCA insurance and I was so surprised they sent me the check so quickly. Also, my little Yorkie mixture twisted his back leg and broke a bone jumping off the couch the wrong way and had to have a cast put on for 8 weeks and quite a few follow up visits. I have been so happy that I made the decision to get insurance with ASPCA - like I said the are "The Best"

We have had 2 dogs (with no insurance - who lived to be 13, & 12 each having a couple of expense procedures/incidents during their lives,) prior to the current Dog & Cat, so we were skeptical how "pet insurance" would work or if the expense would be worth it. Then as luck would have it, 3 mo. after signing up for Healthy Paws Pet insurance, our 5 yr. old Basset experienced her fist UTI & then 2 wks later had an episode of eating steel chips which required a hospital stay, etc.... Needless to say we are now completely SOLD on Healthy Paws Pet Insurance. We will never again own a pet without signing them up from the initial vet. visit! I phoned customer service on our 1st claim and the young man told me exactly how to fill out the form and send in the doc. notes, prior vet history info, current bill & form even though it did not meet the deductible, ...it would go towards the annual deductible (just like human health care). Then unfortunately we had the steel chip accident (second claim) within a couple weeks of the 1st, and with our 80/20, 250 deductible, Healthy Paws processed our claim (one day after our faxed submission) and had a check sent within the week. I was truly amazed!With Healthy Paws Pet Insurance we received great Customer Care from real people who are truly caring pet owners themselves, Excellent Claims processing and e-mail communications as well as phone communications, and Quick Turnaround with payment. If there is an accident or illness/injury I MOST HIGHLY RECOMEND GETTING PET INSURANCE AND DEFFINTLY HEALTHY PAWS PET INSURANCE. They run their Insurance Business the way we all WISH Insurance would be handled! P.S. It was "Ruff" but Our Basset made a full recovery too!