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This was my first experience using our coverage. I have 3 cats who have been covered under Embrace for 3 years . They have a $1000 deductible, but $10,0000 in coverage. A lot of people told me that pet insurance is a rip off but I wanted to give it a try. Pet care now can do so much, but it can get pricey. I never want to make "the decision" just because I can't afford the pet's care. This summer Napster began to lose weight but there was nothing else obviously wrong. He needed very comprehensive blood work, some medications, X-rays, and an abdominal ultrasound. Although we still aren't entirely sure what it was, we know for sure what (bad things) it wasn't and his weight has stabilized. He exceeded his deductible, and Embrace reimbursed me their share. It took a little longer than expected to handle the claims but they emailed me regularly to let me know they were working on it. They did what they say they will, without any hassle. I have recommended them to several other pet parents I know.

This is the third claim I have submitted to Trupanion for my dog, Sadie. They handle my claim quickly and efficiently. I would recommend Trupanion to anyone.

This is the third claim I have submitted to Trupanion for my dog, Sadie. They handle my claim quickly and efficiently. I would recommend Trupanion to anyone.

I am in love with this company! Recently started with pet insurance for the first time. Embracers explained all details and answered all my questions. They have notified me when I submit a claim and reimbursement has been super speedy! I even got an email checking on my girl after her spay surgery and to let me know they were already at work on her paperwork! Awesome! Caring! Love you embracers!

I have 3 cats at home, all of which are insured, and have made claims for illnesses and dental appointments. Every claim I sent in that qualified resulted in a refund of a large portion of the total cost.

"Smoki" (Toy Poodle) was born May 21, 2011, I adopted him JUNE 2011 @ six weeks old. Smoki has been a member width ASPCA for almost one year,& he is a very healthy poodle, I have only had to submit claims for wellness, neuter, & vaccines. NO ILLNES; NO INJURIES I have not had any problems with getting reimbursed on any of the charges that are covered. All calls made have been very helpful and the customer teams have all been very polite.

When notified via email of my reimbursement amount, I noticed a mistake. I called Embrace and within a few hours, the correction was made. It's so nice to not have to jump through hoops to have things righted. Great company.

Our Black Lab Mixed-Breed dog had a fatty growth on his neck that needed to be removed. After the surgery, we scanned in the documents and emailed them to Healthy Paws. We originally sent all of the claims and the medical history as a single document and this seemed to cause some problems. Once we scanned each claim as separate documents, the claims were quickly processed and paid. The company did an excellent job communicating with us and keeping us updated on the status of our claims. I would recommend this company to anyone that has a dog, especially one that is problem to health problems.

Wellness claim was handled quickly and reimbursement was very fast. So far, so good!