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My weimaraner puppy has had some serious intestinal issues which required a complex surgery and some complications afterward. I am very happy with the handling of the claims and the prompt attention and payment, with just one drawback. I believe Embrace's expectations of the veterinarian are unrealistic. To require them to elaborate on treatment when they provide a detailed invoice is taking up their time and costing them money, when they receive no direct benefit from the claim. My fear is that as this happens more and more, my vet will refuse to take the time to do this. Other than that, Embrace has been one of the best decisions I've made.

I think the company does a good job and pays without too much hassle but their premium increases this year seem steep so I'm cancelling. A 3 year old dog went from $278.03 to $332.47 a year and a 1 year old dog went from $473.31 to $409.34 a year. Both have $200 deductibles & 10% co-pay plans. I will save the $68.64 a month for an emergency.

My darling little dog Sasha had to go in for an emergency surgery. I am so glad I had pet insurance! After her surgery they then found cancer. If I hadn't had pet insurance, with a quick turn around on claims, I wouldn't be able to keep giving Sasha the care she deserves. I appreciate that ASPCA calls to check on my pet and the people that call seem invested in her progress.

My Boston Terrier had an eye that ruptured after a minimal eye injury. Healthy Paws really had our backs! With all over the non emergency bills, to the E.R. visiit to emergency surgery at OSU in Stillwater! I never even received a call asking any questions, justt emails telling me my claims have been processed and my refund is on the way. I couldn't believe! Really impressed. Thank you for all your hard and fast work you do, you honestly have our backs!

I have always been very pleased with Pets Best. However, an over 200% increase in premium this year seems a little excessive when every prior year it was increased 10-20% (premium increased from $70 to over $181). And there was no notification of this until after my pet turned 14 so she can't be insured anywhere else. I used to tell everyone with pets about how good this company was - sorry I won't be able to continue doing that any longer.

All of our claims were denied. My dog had never been diagnosed with a uti, but because she had another issue in the region that was entirely different they denied our claim and said she had been diagnosed with one previously, which she had not. Also denied our claim that involved a bacterial ear infection (that did have a little yeast) because she had had a yeast infection in her year 7 months before.

We just adopted our goldendoodle, Finley, and wanted to have insurance in case we have any problems. But the odds of that are low overall, so I really wanted insurance that would help out in the event of an emergency and ALSO help with the routine care a puppy needs in her first year. Very pleased to find this one, with a $400 wellness budget that will cover her spay procedure, microchip, all the basics. We'll get 80% of our money back off the top. Well, just sent in my first claim and within days I'm already getting a check back. They responded quickly with emails updating me and even told me to "give Finley a belly rub from the Embrace team". Nice touch. Very pleased.

my dog has had numerous allergy-related ear,tonsil,infections.my Vet decided to get to the root of the problem, which is allergies. She had my dog tested to see what she is allergic to and is now taking shots for desensitization to what she is allergic to. I now have changed her diet to a grain free diet and she is beginning to improve remarkably. I appreciate this insurance for I would have not been able to financially fund this myself. It has really benefited my allergy-prone pom! In the long run, less vet bills for tonsillitis!!

We are new to pet insurance and purchased ASPCA after bringing our bulldog puppy home in April 2013...I am so thankful! Our puppy decided to turn over his food bin and engulf 3 pounds of food! He bought himself an IV with fluids, x-ray, induced vomiting, and an overnight stay in the critter ER! ASPCA helped to offset the cost and our claim was processed in a very timely manner. I was also pleased to learn that our 2 older dogs (Griffin-12.5 and Mena-11) were still able to be insured. We now have insurance on all our pups and wish I had done the homework sooner to learn more about pet insurance! Will never be without it again!

My poor 2yr old cat had only been covered for a couple of weeks when she broke her leg at 2 AM. I bought HealthyPaws for her because I had checked out this review site in advance, but I was still worried about being denied. The animal hospital I took her to seemed slightly worried too as they'd never submitted a claim to HealthyPaws before. The hospital called HealthyPaws in the morning and checked to make sure everything would be covered before they started, and HealthyPaws quickly gave them an answer that it would be. HealthyPaws states it can take 7-10 days to process your first claim as they work to get all of your records in. I made sure the hospital I went to had every record I had from when I adopted the cat. In turn, HealthyPaws had everything they needed and within 24hrs my claim was processed without a single issue.