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Exclusions exclusions exclusions! Beware. In my opinion your money is better spent placed in a savings account. A claim was submitted for treatment of a seizure that occurred within the coverage period. There was no diagnosis of chronic seizures prior to when the coverage period began. So no clue how this determination was made. Note that the Vet still has not determined the cause. They are still testing and observing. Note also the claim was not reviewed by a Vet. It was reviewed by a Vet Tech who also determined that ear infections and cancer (my pet has a very small benign skin flap) are also excluded.

Maple kept throwing up, for several days, so we took her to the vet for x-rays, and a check up.

Our little Dachshund Mimi certainly had her share of problems and the claims we submitted were always prompt and satisfactory.

I've had other-ins. company's before this is a good one

Ive never had a problem getting a claim processed with the exception of having my Vet records called upon. If I have a concern they will help."

Our insurance with Embrace for our Miniature Poodle, Enzo, has paid for itself many times over. Our claims for Enzo have been reimbursed in a timely manner. The staff at Embrace has been a pleasure to deal with regarding any matter, and we are more than satisfied with Embrace as our insurer for our beloved dogs. Today, medical care for our animals rivals that of people, and insurance is truly becoming a necessity if you choose to own a pet and provide it with the best care possible. Embrace has made it an easy choice for us as to which provider to use!

I was a customer with VIP insurance for years. Then, Nationwide took it over. They are terrible. They deny claims on the smallest pretext. For my latest claim, they denied coverage for a fecal exam that was necessary to determine why my dog had diarrhea. They claimed that "wellness" procedures are not covered under the policy. When I explained to them that this procedure was not done as part of a routine exam but was necessary to determine why he was sick, they would not budge. It's the most rediculous reasoning I've ever heard from an insurance company -- and I used to work for one. The total bill was $260, of which they paid $48. In the meantime, my premiums are over $900 a year. DON'T BUY THIS INSURANCE! You'd be better off saving money in an interest-bearing account and using it when your pet gets sick.

Healthy paws truly cares for their clients. I was unsure what my options were when my not even two year old pit bull mastiff was diagnosed with medial patellar luxation--a congenital condition which needs an expensive surgery to correct. They were very easy to communicate with as well as answer any questions and what if scenarios. It's always a speedy process for claims with no issues.

high premiums as dog ages

I thought that the prescription would be covered considering that it was given for the emergency situation, it should not be considered routine...