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This is the first pet insurance I've taken and since renewed for the 2nd year. When I needed to speak with a representative, they were friendly and answered all my questions. Over the past 2 years, I've submitted several claims for blood work and have never incurred any problems about being reimbursed. Glad I decided to take this insurance, especially with ASPCA.

Claims processed very quickly, with follow-up phone call to let you know that it was done. Then another follow-up call to check how your pet is doing. Very nice people! Love them!

We were new customers to Embrace, and shortly after we became eligible to submit claims, we had a horrible coincidence take place - our cat, Kali, had to be rushed to the vet. We never thought we would end up using the insurance so soon, as our cats were relatively healthy outside of some ear stuff and dental issues. Originally, we thought that her swollen toes and odd behavior were the result of an injury since she's a clever kitty who had recently learned how to crawl inside our couch! So when we discovered the problems with her toes, we rushed her to the vet, thinking that it was a recent injury. This was the start of a 2-month long journey for Kali that started with a near-amputation of her toes that was canceled last minute after an EKG scan found a tumor in her chest. We received a referral for an oncologist who recommended surgery to remove the tumor. We found out that the condition on her toes was known as pemphigus and we suspected that she might have cancer. We were told by several vets that the likelihood may be high. Thankfully, the tumor was a benign one but the pemphigus would remain possibly for the rest of her life. The good news is that the tumor's removal means that her condition is much more mild than it was with the tumor in her, which means that the medications that she's one now are limited and therefore not nearly as debilitating as they might've been with higher doses. Through this very stressful time in our lives, when we thought we might lose our cat, we were so thankful for the Embrace insurance. I was almost certain that we might not receive coverage, being new customers, and due to some stories that I have heard about other pet insurers. However, Embrace was with us all the way. All claims were processed within a timely fashion & they even checked in with us during this time to see how we were doing. The website and submission process makes it very easy to submit claims & track them, and I love seeing the breakdown of what was covered. I'm so thankful for Embrace. Because we were in a position to make the best choice for our cat's quality of life, Kali now is much healthier than ever, and we hope to have many more years with her. I will never have an animal that I can't cover through Embrace.

This company is amazing.

Hi Tim, Than you so much for your interest in Willow's recovery. It was a very unexpected and frightening experience for our family, and of course for our beautiful little girl. I am happy to say that she has made a full recovery and I was able to give her her first bath today with the doctor's permission. She received wonderful care and attention at Garden State Veterinary Hospital, with such a wonderful staff. She still has some restrictions and has to refrain from playful activities for a while longer, but her spirits and adorably funny expressions are back! Most importantly I would like to acknowledge the level of excellence from HEALTHY PAWS in processing my claims for this emergency surgery. I received constant communications from HEALTHY PAWS throughout the entire process: from submitting invoices, receiving interim updates and EOBs, through receiving reimbursement checks in the most efficient and timely manner. I have never had any need to make a call or any other communication, as I have with other pet insurance companies in past years. I have recommended your service to five friends and/or family members, and will continue to spread the word to as many people as possible!!! Events like this are extremely stressful both mentally and physically, not to mention financially. HEALTHY PAWS certainly minimizes that last concern; financing can be devasting to those without any insurance or low quality coverage and service. Your plans will fit all budgets and give peace of mind and reassurance with your excellent service. BTW, I did give her your collective hug, several times! 🐕 Thank you again!

My dog had a sudden onset of gastroenteritis symptoms. after an emergency office visit at 2 a.m. the bill was $625.! But knowing she was going to be ok and the fact that I had Embrace my worrying was minimum

With all of the dogs (18) that I have had over the years I have never purchased insurance. In June 2016 we purchased our first Bernese Mt. Dog puppy who was 9 weeks old at the time. During our first vet visit, our Doctor recommended that we try Trupanion for their 30-day trial period because with puppies...you never know what can go wrong! Well, we enrolled right after the trial period was over. We opted for the full coverage plus we added extras like hydrotherapy treatments etc., with the anticipation that our Bernese may get arthritis when he is older. We pay a $0 deductible and almost $180 per month. From what I understand, prices not only vary with breeds and age but also vary throughout the country as far as what vets charge etc., We live in NJ so everything seems to be more expensive :( That being said, this past week, our 11 month puppy decided to gulp down one of our baby's bib...one big gulp and I couldn't stick my hand down his throat fast enough to reach it. I tried to induce vomiting but without any luck. I called my vet and Trupanion right away. I told Trupanion my situation and they pre-approved a ballpark amount for the possibility of surgery/vet stay etc., The following day we went to the vet for scans of his stomach etc., There were definitely compacted materials in his stomach so the vet and I discussed options for surgeries. Being the least invasive, I opted to try Endoscopic so that my poor puppy didn't have to be cut open. I had to go to a another vet besides my usual one. This was a special 24hr. vet with specialist so I made the call to Trupanion to tell them that I had to travel to another vet for the surgery etc., and they were updated on all of the info. and I wanted to make sure that everything would still be covered. I should also mention that all of this is going on in the evening and I wound up being at the vet from 5pm to almost 1am and every time I was able to speak with a representative and they were able to get after-hours approval for additional tests etc., The vet ended up pulling out the whole bib plus a couple of my husbands black sport socks (what???) and our puppy is recovering beautifully. I cannot be more thankful for having pet insurance like Trupanion. $180 a month is no small amount of change...and yes, there are definitely some months were I thought "why are we paying for this, we could use that money for something else!". Honestly, this surgery with the scans, anesthesia, actual surgery and recovery c

With all of the dogs (18) that I have had over the years I have never purchased insurance. In June 2016 we purchased our first Bernese Mt. Dog puppy who was 9 weeks old at the time. During our first vet visit, our Doctor recommended that we try Trupanion for their 30-day trial period because with puppies...you never know what can go wrong! Well, we enrolled right after the trial period was over. We opted for the full coverage plus we added extras like hydrotherapy treatments etc., with the anticipation that our Bernese may get arthritis when he is older. We pay a $0 deductible and almost $180 per month. From what I understand, prices not only vary with breeds and age but also vary throughout the country as far as what vets charge etc., We live in NJ so everything seems to be more expensive :( That being said, this past week, our 11 month puppy decided to gulp down one of our baby's bib...one big gulp and I couldn't stick my hand down his throat fast enough to reach it. I tried to induce vomiting but without any luck. I called my vet and Trupanion right away. I told Trupanion my situation and they pre-approved a ballpark amount for the possibility of surgery/vet stay etc., The following day we went to the vet for scans of his stomach etc., There were definitely compacted materials in his stomach so the vet and I discussed options for surgeries. Being the least invasive, I opted to try Endoscopic so that my poor puppy didn't have to be cut open. I had to go to a another vet besides my usual one. This was a special 24hr. vet with specialist so I made the call to Trupanion to tell them that I had to travel to another vet for the surgery etc., and they were updated on all of the info. and I wanted to make sure that everything would still be covered. I should also mention that all of this is going on in the evening and I wound up being at the vet from 5pm to almost 1am and every time I was able to speak with a representative and they were able to get after-hours approval for additional tests etc., The vet ended up pulling out the whole bib plus a couple of my husbands black sport socks (what???) and our puppy is recovering beautifully. I cannot be more thankful for having pet insurance like Trupanion. $180 a month is no small amount of change...and yes, there are definitely some months were I thought "why are we paying for this, we could use that money for something else!". Honestly, this surgery with the scans, anesthesia, actual surgery and recovery c

I've had a very good experience with ASPCA Insurance. I got all 6 of my dogs insured. Jaxon ended up going into kidney failure, but we were able to treat him at the vet hospital. He is now on special food, medications, and IV fluids. The ASPCA Insurance came through for us and we're getting 80% back on everything as the chronic kidney disease is covered. Their App is easy to use and I just submit receipt and within days my 80% is back in my account. It helps so much!

The process used to be quicker. I also believe in the past, and I could be wrong, that euthanasia was paid in full and not with a copay from a diagnosis.