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Having Embrace was the Best thing I ever did! Quite frankly if it wasn't for Embrace I would probably have had to give my cat away. I don't usually take the time to review stuff but I feel like Embrace really deserves it and if someone else can benefit from my good experience and also use Embrace that would be a good thing. My story is kind of long so I'll try to keep it short- but I've had cats my whole life and none have ever had major problems. Vet visits were so few that they're was never an issue. But then a little baby stray showed up in our yard and we fell in love with him and decided to keep him. Well, that was the beginning of the horror story for my wallet. He arrived a little sickly with some respiratory issues but nothing majorly serious. Well, one thing led to another and he pretty much took every vet appointment we never had before and had them all himself! It was getting to the point where I was going to have to think about giving him away to someone who could afford him. I didn't think of insurance because I always thought crazy pet people did that and/or it would be too expensive. Well, boy was I wrong! It was the best thing to do!! I researched a whole bunch, had my mind set on another one, when one of the girls at my vets office recommended I check out Embrace before I make any final decisions. I'm so glad I did. They are literally the only reason why I've been able to keep my kitty. They were the perfect fit for us, based on what we needed and the coverage they provided at a very reasonable cost. I've had them for 1 year already and the customer service has not only been incredible, everyone is so nice, but all my claims have been approved! ...and I've needed to turn in quite a few claims. They've been approved quickly and I have received the checks in a timely manner. It's a relief to see the checks because I know that with Embrace I've been able to give my kitty the best possible care because I've never had to say no because I couldn't afford it because I know I will get the majority of his vet visit reimbursed. I highly recommend them to anyone and everyone! My kitty's health is great right now and I know that if (or should I say when) he needs to go back Embrace will be there to help.

I have to say that I have been skeptical to say the least when it comes to pet insurance. You hear these horror stories of unreturned emails/calls. Claims being rejected and terrible service.. But after arriving to Hawaii My schnauzer has unfortunately developed an overall sensitivity to everything even down to what she's able to eat. So with my vet bills going from bad to worse my veterinarian kept suggesting I look into insurance. She kept saying "some even cover the presciption food" and so after 1 year I caved. I purchased embrace in December and I just went to the vet and my whole claim was processed and reimbursed In less than 48hrs! The money's great but I'm so thankful for the piece of mind. And I'm feeling like a better dog parent by the minute. Thank you embrace!! I regret not taking the plunge sooner!!

This is the second claim for my Bichon Frise. Trupanion handled my claim expeditiously. I have nothing but kind expressions of appreciation for Trupanion and their excellent service.

This is the second claim for my Bichon Frise. Trupanion handled my claim expeditiously. I have nothing but kind expressions of appreciation for Trupanion and their excellent service.

Never had pet insurance before for any of my dogs. When we decided to finally make a permanent move with the dogs to our ranch in Hawaii, I realized this was going to be a whole new world of potential risks they would be exposed to. So, seemed like a good time to give Healthy Paws a try. Sure enough, after about a year and a half our youngest dog was getting a little too comfortable with full-throttle sprints through all the wide open spaces and ends up rupturing the ligaments in one of her hind legs. So, now we've got a series of visits with the vets and reconstructive surgery on the horizon. I immediately gave Healthy Paws a call to see what I needed to do. They were very helpful and made the process completely worry-free. While preparing for surgery, I had her mainland vet fax all her medical history to Healthy Paws. The day after the surgery, I submitted all the invoices from the various vet visits and the surgeon. Within 4 days, I received confirmation the claims were processed and the reimbursement checks were in the mail. After a week, I received an email asking how our dog was doing and offering to assist with any other needs that may have arisen. I've never had such an easy and pleasant experience with any type of insurance matter. I only wish our human health insurance system could function this well.

Thought when I bought this it would at least cover when my dog started limping about a week after I purchased it, so made a vet appt. No, coverage starts 2 wks in--so what is the 2 wks one pays for to get started? Dog is limping more and more but I cant afford vet bills is why I didnt have a dog until I found her at the dump--and why I thought it wise to at least pay for pet insurance.

wondering if my monthly dues went from about 83 to about 97 just because our dog has been pretty sick. its enough to make us reconsider dropping policy.... however, besides that they have been doing an excellent job and are always very pleasant and helpful on the phone and have been taking care of all claims that have qualified. would like to see where they got their information regarding the vet cost in our area going up. if it was a valid reason then would like to see how they arrived at it. otherwise really wondering if that is a true statement or its because they have had to pay out a lot on our dog.

wondering if my monthly dues went from about 83 to about 97 just because our dog has been pretty sick. its enough to make us reconsider dropping policy.... however, besides that they have been doing an excellent job and are always very pleasant and helpful on the phone and have been taking care of all claims that have qualified. would like to see where they got their information regarding the vet cost in our area going up. if it was a valid reason then would like to see how they arrived at it. otherwise really wondering if that is a true statement or its because they have had to pay out a lot on our dog.

I have two 4 yr. old Pit-mix girls, Hapa and Koko. (Sisters) they're active and play hard. One day while playing, Hapa suddenly stopped and limped over to me in obvious pain. I thought "Oh No!" I figured it was a cruciate injury because I had just gone through double TPLO surgeries for both of Koko's back legs.(just made 1 yr.) I took her in and her X-rays proved me right. After Koko's surgeries, which added up to around $10,000 at least, I looked into insurance for them. I found the good reviews and reasonable prices of Healthy Paws to be worth my investment. My husband wasn't so keen at the time, but boy is he sure happy now! There was a bit of confusion and frustration on my part at first. I'd never filed a claim in my life, let alone for my dog. Being the first claim, Healthy Paws needed Hapa's complete medical records. There was a bit of back and forth with the vet. They said they faxed everything and I'd get an email from Healthy Paws saying the records were incomplete. After the second and third notice and seeing the vet records in person saying they were faxed and faxed again. I'd call Healthy Paws and because of the time difference here in Hawai'i, the person would take a message. But then when they'd try to call during their business hours, I'd be at work and couldn't take the call. (My husband and I rappel off of waterfalls) I'm thankful for Healthy Paws persistence, because eventually everyone connected and the records were received and the claim was being pro

I have been with Pets Best for almost 6 years. I went with them because of the great reviews at the time. We were just getting a new puppy, and figured pet insurance is something we should have. In the meantime, we have also added our 14 year old cat and a new puppy we got 8 months ago. In the past, we have had no problems with reimbursements, and the insurance for each pet per year was about $200-300, which was acceptable. This year, they changed undewriters, and our insurance went up to $800-$1000 each year per pet. In addition, the reimbursements are taking longer and are more complicated. I will be shopping around for another insurance company.