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After Morgan's surgery I submitted the claim to Trupanion and within one week they took care of it. I am very pleased with their service and will continue to have Morgan covered. Thank you.

When processing a claim along with a pre-approval for continued treatment, it was a pleasure to work with the Embrace staff. They were very helpful in explaining what they needed from me. They were very cooperative throughout the process and approved the claim and pre-approval. I appreciate having the pre-approval process, so it's clear early on if continued treatment will be covered. It was quite a relief to have that approval first and allow us to focus on treatment and getting our dog better.

Premiums have continued to increase (started at $40/month), now 4 years later they are over $75/month. They say as soon as you hit your deductible they cover 90%, but that's for EVERY ailment. My Pug had to have surgery on her ear, but it wasn't covered even though she's had tremendous issues with her ears. They considered it different and so we had to pay the deductible AGAIN. She's now had to have two surgeries and neither was covered. I tried to cancel but was convinced to stay last year because we had already hit "all our deductibles" but they just returned our latest surgery claims as denied due to needing to pay another deductible. I have paid $3,000 in premiums plus thousands in vet bills they didn't cover. I wish I had self-insured, would have been cheaper!

I am so grateful to have Embrace Pet Insurance on my two dogs! I never hesitate to take them to the vet, I get quick responses from online help, reimbursement within a week, it's absolutely perfect. I haven't had any emergency situations yet, but I feel confident in Embrace to assist and aid me if a situation should arise.

Throughout the years all the claims have been processed in a timely manner. Their customer service has always been attentive, knowledgeable and caring.

This is definitelly better than expected, fast Service and quick response when assistance needed; i can't ask more from an insurance company.

I cannot say enough great things about Healthy Paws- they have been rated #1 a few years in a row for a reason. I had pet health insurance with another company with my dog that has since passed (when I rescued her, she came with it) and it took SIX weeks to get my reimbursement check. With HP, my reimbursement check arrives about a week to 10 days after I have submitted my claim. This is unprecedented. In fact, their app is SO easy to use -just take a picture of your bill and send- that I received an email two hours later that my claim had been processed! Incredible! Healthy Paws is reasonably priced as well that you would be a fool not to get it. It takes two seconds to sign up online as well. My vet is now going to promote them as I have expressed how much I love HP every time I am there. You never think something awful is going to happen to your pet until it does and it comes with a $3,000.00 bill (or more). If you have Healthy Paws you don't have to worry as they will cover 90% of it!!!!

My dog Bruno began limping on his back legs and after some X-rays and a visit to an orthopedic vet we found out he completely tore the ACL in his right knee. To make things worse the ACL in the left knee was also unstable and we were informed that it might tear at some point also. We went ahead and had the right knee repaired. The bill came to $2800. Healthy paws made the claims process so easy. I submitted everything online and within a week I had a check for $2247. Healthy paws also followed up and checked on Bruno and his progress after sugergy. After about 3 months Bruno's right leg was totally healed but the doctor informed us that left leg needed to be repaired now. The bill for the second surgery came to $2800 again but I had peace of mind knowing that Healthy Paws would be there for us. Once again I filed the claim online and healthy paws sent a check for $2200. And once again healthy paws customer service sent me an email checking on Bruno after his surgery. Also, any follow up X-rays have been covered as well. I can't say enough positive things about healthy paws, their customer service and ease of filing claims. They make the whole process stress free and follow through with the service and coverage they promise. Having pet insurance with them has been a life saver!

Our loving dog Amber required major surgery to correct a problem with her knee.From the time that Amber had her x-rays through her surgery until the claim was processed and reimbursement was received, we were treated with promptness and professionalism by the Healthy Paws staff. During the entire time they have expressed genuine concern for the well being of our pet. Without Healthy Paws Insurance this process would have been extremely stressful; they have been there every step of the way, providing comfort and support. I highly recommend this insurance for our 4 legged kids.

I have had accident insurance on my Yorkie for many years...never needed to make a claim until this year. He was following our schnauzer (running) and came flying thru the doggie door and crashed! He limped on 3 legs until the orthopedic surgeon had an opening in her schedule. Thank goodness we had ASPCA Insurance. We didn't have to make that difficult choice of "can we rally afford that vet bill". The claim was handled very quickly. And our Yorkie is now running again!