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Embrace, though expensive, has handled three claims I have had with ease and expediently. Their website is also very easy to navigate. All in all, a good experience.

I signed up for Embrace a few months ago. My cat had an accident that caused lameness and laceration on his hind leg and I brought him to the vet. I submitted my claim to Embrace. They denied me coverage, stating that it was a related incident to a wound that my pet had had prior to my signing up for the policy. It is completely unrelated. I am so disappointed. What a waste of my money and time. Furthermore they took more than three weeks to come to this decision. Very bad customer service.

Healthy Paws is the best insurance (not just pet insurance) company I have ever worked with. Every time I take my dog to the vet, they pay exactly what they said they would pay, and they do it quickly. But that is not why they are the best. Any time Luna has an issue, they write an email and ask how she's doing. They genuinely (and I cannot stress that enough) care about her well being and take pride in being able to help. The peace of mind that it brings when something goes wrong is priceless. I know that I not only can I afford her care, but I won't have to wait long for reimbursement. But having a pet insurance where they really care about my dog and all animals, and that my money is going to help other pets in need means that I will never look anywhere else for pet insurance. Ever.

NO questions asked during reimbursement. The only thing I would recommend is to speed up the process. It would be very helpful to customers that had to pay up front cost. Besides that everything is great about the claim process. Easy to fill out and very helpful customer service. Good thing is I called again to speed up the process they were willing to accomodate

Embrace is an amazing pet insurance company; with extremely quick and convenient reimbursement methods. Zero gray area on coverage, totally worth every penny.

Embrace has been responsive and very dependable in covering costs for my dog. I would highly recommend the company for its great customer service and for their reasonable consideration of medical costs. After my dog broke the biggest tooth in his mouth, he had the root exposed and was in a lot of pain. Our vet said he could extract the tooth or we could go to a veterinary dentist who could possible save the tooth. That's what we did, and after a root canal, my dog was back to his playful, happy self. Although this was not a life-thretening emergency, it was so reassuring to know that I could provide the medical care my dog needed with Embrace covering 90% of the cost. I feel so relieved to know that if an emergencuy or unexpected illness happens, my dog will be able to receive the proper medical care he might need.

Can't say enough good things about Healthy Paws! Was recently reimbursed on a claim following my Frenchie, Felix's, soft palate /stenotic nares surgery. Healthy Paws staff was professional, fast, efficient and caring. It's as simple as that. Highly Recommend!

ASPCA says that it covers 90% of the usual and customary charges for verterinary care. It does not say how it determines what is usual and customary, and I have submitted two claims now, and in both cases ASPCA decided that "usual and customary" was about a third less than what I was actually charged by my vet. I will be switching to different pet insurance.

The customer service is top notch. Quick to get back to you and polite when doing so. I can be a bit too much at times, but the staff is always polite and considerate. Language of the disclosures are not "too legaleez" - I can understand the language. That carries a lot of weight with me. I like it when documents and disclosures are simple to understand.

We submitted two claims. One through fax from the vets office and the other through the mail. They are very quick, you just need to make sure you show you paid. The one time there was an issue they contacted me immediately and told me what I needed to do. They now are familiar with our issue so there are no issues.