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Even thou you receive an email stating "Thank you for renewing your pet insurance policy number xxx and for being a policyholder since xxx" and withing the same email "Your renewal policy is effective on xxx through xxx/2015 11:59 PM ET". Mean your NOT really renewed at all !!! They sort of put the cart before the horse in emails it seems for reason I still can not explain.

My dog tore his CCL and had to have major surgery. This happened 8 days after the 15 day waiting period after I first got the insurance. I just received my check for $2,921 and even got a follow up email from Healthy Paws checking up on Riley. Very happy (and lucky) I got this insurance when I did.

Laura Bennett and her team are always quick to respond and very helpful. Claims are a hassle free process and they make sure they follow up every time. Many times, I submitted a claim and forgot about it but Laura has always checked to see that I got the refund for the Wellness claim. If you are thinking about adding the Wellness program to your insurance policy--do it! You spend $300 to get $400---which is absolutely doable with a pet that needs check-ups, shots, dental, flea and tick meds, etc. Love this company and would HIGHLY recommend it to anyone needing wellness or regular insurance for their pet.

One of our three cats, Theodore, was recently diagnosed with an entropion: the eyelid had swollen so that the hair on it was irritating the eye so badly it caused ulcers on the eye itself. Although unusual in cats, our vets had seen this before and recommended surgery to prevent any further or permanent damage to the eye. Knowing that we had insurance helped make our decision to have the surgery a little easier.Healthy Paws response was outstanding. I emailed in our scanned claims and by the end of the day, I received a response email indicating out claims had been processed and that we'd be receiving a check shortly. However, even more outstanding were the follow up emails asking how our "boy" came through the surgery and wishing him a swift recovery. I wish we had that kind of interest and service from our human insurance companies! My wife and I had considered changing over to the pet insurance offered by her company, which would be slightly better financially for us. But, after this experience, we decided we can't do any better than Healthy Paws for our three "kids."

I wish my family's insurance worked as fairly and quickly as Embrace does for our dog Nacho! Seriously, through a rather scary time working out some early potential hip dysplasia scares Embrace has always said what they were going to do, namely helping us through the difficulty of an already trying time. Every claim has been responded to quickly and the decisions explained clearly and fairly. Never having purchased pet insurance before, I've quickly become a convert to the benefit.

We've had the policy enforce for a long while now and unfortunately have now had to submit a claim. I called customer service with some questions and they were very patient and helpful. The claim process was easy and they reimbursed 65% of the claim.

Have had a positive experience with Trupanion. Only glitch was trying to obtain old medical records on my cat from the vet and Trupanion getting ready to cancel claim due to non-receipt. Everything worked out-waiting for first reimbursement to arrive.

Have had a positive experience with Trupanion. Only glitch was trying to obtain old medical records on my cat from the vet and Trupanion getting ready to cancel claim due to non-receipt. Everything worked out-waiting for first reimbursement to arrive.

Embrace has been amazing. My dog has had a whole assortment of health problems this year and they are always quick to turn around my claims and they have not denied a claim yet. I have been so thankful that embrace was recommended to me; I would not have been able to afford these veterinary costs any other way.

I purchased insurance from Embrace for my Labrador when she was a puppy and it was incredibly easy to get her covered. My dog has since developed bone cancer and Embrace has done an excellent job of fulfilling claims with no questions asked. We have had to bounce around between Veterinarians and Specialists and Embrace has still been able to quickly reimburse claims, provided we supply sufficient medical documentation. I have been getting a quick turn-around on claims reimbursement. Very happy with this service so far.