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I have had pet insurance before and always cancelled the 2nd year. I did not feel I received my monies worth. Claim submissions were cumbersome and slow. My vet forwards the claim, I receive and e-mail and a short time later a check. Easy. Am so far pleased. Will be coming up on a year soon, and am hoping the premiums will not go out of sight. So far so good and highly recommend.

We got Healthy Paws 3 months ago for our 5 month old puppy. On new years day she got into some pills and we had to rush her to the emergency vet. She had been to be hospitalized for two days to make sure they flushed everything out of her system so no long term damage would occur. After paying the deposit so they could get started on her treatment I was a little skeptical about whether or not I would ever get reimbursed the 90% that Healthy Paws says they give back since it was such an expensive bill. I filed the claim as soon as my dog came home. How long did it take to hear back from Healthy Paws? ONE DAY! Not only did they complete her claim faster than I could have expected I was reimbursed 90% (after my deductible was taken out)! I can't tell you how much it means to know that whatever happens to my furry child, I never have to second guess wether or not I can afford to potentially save her life. It is a huge relief to never have to deny her help because of cost. I know many people who have had to let their pets go because they could not afford the help to save their lives. It is heartbreaking. Thank you Healthy Paws!

Healthy Paws Insurance has been terrific to have for our furry boy Houston. They are quick to respond with any claims. I feel it is the best insurance coverage anyone can have for their pets.

I insured my dog Margaret with Embrace; it was the first dog I ever insured. We had no claims for the first year and a half. Starting last fall, she developed some problems and so far all claims were accepted and we were reimbursed quickly. Thus far, we are very pleased with their service.

I have a one year old english bulldog puppy. I knew that bulldogs often have health problems, so I thought it a good idea to get insurance for her. I can afford the monthly cost a lot easier than I can afford a $3,000 pet bill. Little did I know, she had a genetic disorder requiring both of there knees to be replaced. Penny just turned one, so the news was very unexpected. My vet warned me most pet insurance companies will not cover genetic disorders. But Healthy Paws covered the whole procedure, no questions asked. I had my reimbursement within a week of me sending all my documents in (invoice, doctors notes). I don't know what I would have done without Healthy Paws. I think I would have had to give Penny to a rescue that could provide her with the care she needed. Honestly without Healthy Paws I would not have been able to keep my baby, and I feel so grateful for them!

Has a "schedule" of what little it will pay for a list of conditions, will not pay for anything else

I couldn't be more pleased with my experience at Healthy Paws since we enrolled in October 2014. Highly, highly recommend. I've been telling all of our friends about Healthy Paws. Too bad "people" health insurance isn't as great.

I can't say enough good things about Embrace: fantastic, responsive customer service; quick processing and payment of claims, easy to reach by phone and online. It's a real pleasure to be an Embrace customer.

Duke, our 14 month old Great Dane/Boxer Mix we adopted was in the ER Hospital due to GI issues 3 different times within a 2 1/2 week span. After extensive tests, Duke had ate the covering off a toy and it was stuck in his lower intestine, it passed thankfully. He did not have surgery, but the vet bills accumulated to over $4500. We had just passed our starting coverage period and I was not sure Embrace would come through, but they did with no problems. We are so thankful to have Embrace Insurance, they have been a wonderful company to work with and we are so pleased with there timeliness of response in working claims. HIGHLY RECOMMENDED!

WANTING TO KNOW IF IT WILL COVER OFFICE VISITS AND SHOTS.