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My dog had a severe allergic reaction to accidently ingested peanuts and stopped breathing! We rushed him to our vet who ran inside with him to attempt resussitation. After the 20 longest minutes of our life, she returned him to us. But his breathing was labored. She advised us that he needed overnight care at the local, (extraordinarily expensive) Animal Hospital in case he stopped breathing again. In view of the expense, she also suggested we could stay up all night with him, offering to show us how to resusitate him. We knew we could afford the safest, best treatment because we had the best pet insurance in the world: TruePanion. Not only did you respond promptly to claims filed by both our vet and the animal hospital, saving us from financial hardship, but he did stop breathing again during the night, so you helped to save his life, by allowing us to pursue the best medical care for the love of our life! Thank you Trupanion. We love you.

I can't say enough about Healthy Paws! They are absolutely a pleasure every time I have put in a claim. Last week, our two year old lab was at the vet for an emergency situation where they suspected an abdominal blockage based on her symptoms. Thank goodness after many tests including x-rays, blood work and ultrasound, they determined that she did not have an obstruction that would require surgery! Without Healthy Paws, I would not have been able to get Charli the care and prescription medication she needed when she was sick. Not only did Healthy Paws check on Charli after she was home, they have already reimbursed me for 90% of the cost. Yes, that's right...I already received my check in the mail, less than a week later! Thank you Healthy Paws! I have referred many friends and they are all happy too!

I purchased embrace pet insurance for both of my English bulldogs when they were eight weeks old. I can honestly say it was the best investment I have every made. English bulldogs are great dogs but they can be like old men from time to time.Having pet insurance provides great piece of mind. I ask the vet to fax a copy of the bill to embrace then I receive a check minus the deductible 7-10 days later. The policy has paid for itself time and time again.You will not regret purchasing insurance to offset the expense of the vets bills.

My cat Cheerio had his spleen removed two years ago. He became more prone to sickness without his spleen. Healthy Paws insurance paid for his care as promised in the policy without any hassle. They also sent emails to ask how Cheerio was doing. Last year I submitted a claim with few invoices on them. They noticed I did not cash one of the checks so they sent me an email asking if I received it or not, and whether they should issue me a new check. I would highly recommend Heathy Paws to any pet owners.

I have a 5 year old Doberman who had been lame in his front leg for months. Our regular vets tried many conservative treatments to no avail. It was suggested that we seek the orthopedic vet specialist. We did that, he had shoulder arthroscopic surgery and is getting post-op physical therapy. I'm happy to report that he is lame no more. More importantly, a very expensive and long treatment has been re-imbursed by Embrace. As I mentioned, its so nice to have Embrace in my corner --I do tell everyone at the vets about you guys. Also, my daughter just added a great dane puppy to her family and is also enrolled in Embrace.

Great insurance, but they rope you in...Once you are a long time customer and they know you now have "pre existing conditions" they raise your rates so that the policy is unaffordable to maintain!! I just received a annual rate increase for my 7 year old Boston Terrier from $58.76 per month to $84.90 per month...WHAT???? That is more than 40% increase!!! More than human insurance increases!!! I am better off depositing the $60 per month in a separate account for future medical expenses...Buyer Beware!! Not very honorable business if you ask me!! Be prepared for huge rate increases each year until you just can't afford this insurance anymore!!

When I got my dog, I didn't think I needed medical insurance since she was only 12 weeks old. However, after listening to my friends about their vet bills I decided to check into getting medical insurance for my dog. After much research, I'd concluded that Healthy Paws was the best. They only take the deductible once a year, (like my medical insurance), where other insurances take a deductible with every bill submitted. Plus, Healthy Paws gave me a choice of how much % reimbursement I wanted. I've had to use Healthy Paws twice now when my dog hurt her knee. As time when on, the pain became progressively worst, it was painful for her every time she wanted to play ball, run, and she was unable to go kayaking with me. The vet started Bailey a less intrusive treatment with numerous Adequan shots and was put on Dasuquin tablets. The Adequan shots were about $90 each twice a week for 8 weeks. While getting the shots, Bailey was able to play like she always did, but it didn't last long. She started limping again and I could tell the pain was getting worst. Finally, it was determined that surgery was the way to go since my dog is only 4 years old. She needed major surgery. A stainless steel plate was implanted on to her knee and thigh bone to stabilize the joints. Then she would need 6 - 8 weeks of physical therapy in addition to medication during her recovery. The surgery cost over $5,000. If it weren't for Healthy Paws, I would have to take a loan out or set up a payment plan. But thanks to Healthy Paws I was reimbursed 90% within a couple of weeks and I was financially stressed free. As a result, I was able to concentrate on helping Bailey heal. Thanks Healthy Paws you are the greatest!

I am not typicaly someone who submits reviews, but in this instance, the performance of Embrace and the overall positive experience warrants 10 minutes of my time. As a new pet owner, I was leary about purchasing health insurance for our puppy. My comparitive research with other insurers led me to Embrace. The onboarding process was seamless and their claims processing and timeliness is commendable. Our dog has been in and out of vets for the last six months and we have submitted no less than 20 claims, totaling more than $10,000. I have never spoken to an Embrace agent or been questioned on any care provided to our dog, despite a blood transfusion, extended stays at animal hospitals, and other expensive procedures. The claims process is all electronic. We are notified via email when the claim is received, when it is processed and finally, when payment is sent. I would highly recommend Embrace for any pet owner considering insurance.

This is my second time having to file a big claim for my poor pup and both times the experience was great. It was quick and easy to file my claim. I received follow up emails on the status of my claims and received my check within a week. I hope never to file another claim again, but having the insurance is worth it.

I filed my dogs wellness claim, he was neutered. I faxed in my paperwork and a week later my claim was reviewed and reimbursement check was issued. Quick and easy! No jumping through hoops! I am extremely happy with the sevice this far.