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i was going to stop coverage because rates were going up --but forgot it--well our kcbaby got bit and inffected by something (cat squirrel?) and after days of 104 temp and emergency and vet care (over thanksgiving) i'm glad i did not stop coverage--bills ran $3500+ got my reimbursement quickly, and worth the coverage. wish i would have taken the drug coverage tho--kc had a lot of intravenous etc which was not covered but in the past years did not need. she had irritable bowel trouble overr the years and needed a lot of medical work with bills and these people paid and quick

Embrace recently responded in the expected time, particularly with reference to the many continued and unexpected visits for the same ailment that my pet appeared to be suffering from. We were with another insurance company for 15 years. The returns were OK, but not extensive. After 15 years, it came time for our two senior pet companions to leave us for doggy heaven. Before interviewing new breeders, we decided to first shop around for another insurance company, just to see what was out there after 15 years with 1 company. We selected Embrace because of the great reviews & the level of coverage offered. We are currently extremely happy with Embrace. However, I would like to share that it was a bit more complicated to get started with this provider, than it had been with our previous provider, in part possibly due to additional health certification requirements required for each pet. In addition, at policy onset, there appeared to be some level of mixing-up our 2 new pets after we registered last year. (i.e. one had a hernia & one did not). The other element that may have confused the entire online system is that we visited our Vet directly from the breeder with both pets, for a no/charge health check for the breeder. The visit took place one day before the effective date of our Embrace policy. We turned in the paperwork to Embrace for the good of the order, and did not file a claim, nor did we ever intend to. We simply thought Embrace should have all paperwork from our Vet, for their records. In hindsight, this tiny detail may have confused the heck out of either the system or the claims representatives, because we began receiving automatic-response emails stating that the claim was outside of policy period & therefore not covered. Well, we were certainly aware that the initial paperwork we sent would not be covered, but maybe the rep on the other end of the email overlooked that tiny detail in the body of our email, and thought it was a claim. Thus what ensued initially was considerable back-and-forth-email-communication for over 2 months. Needless to say, we were not at all happy with the level of comprehension, especially with automatic-email replies, or with the long response time it was taking to clear up the matter. We thought that it could have been a failure to comprehend systems on our part, not realizing that systems generally cough up items received outside of their of established guidelines. So within that 2 month period, we bega

I have had other pet insurance companies before I came over to Healthy Paws...my only regret is that I hadn't switched over to Healthy Paws sooner. I am so impressed with the service and more so with the time frame in which a claim is processed. I receive a response the same day I submit the claim...that is something that allows me to feel very comfortable knowing it is already being addressed and processed. Plus I very much like the fact that a portion of my policy goes to help homeless animals. So comforting knowing my fur-babies are cared for by Healthy Paws.Angelika and her Girls...Jerzee Girl and Mimi

I have been dealing with Healthy Paws for around three weeks now trying to get them to cover two vet visits that I recently made with my dog Chase. Although I haven't gotten to the process of getting them to actually pay for a claim, they have done nothing but ask for paperwork over and over again. After giving them every single piece of paper that I have ever been handed by a vet in reference to my dog, they claim that they still need more paperwork. So, while they twiddle their thumbs, we will wait and see what excuse they attempt to use to not pay my claims.

This is our first experience with pet insurance. I signed our dog up when we adopted her at a year old. She is now almost four and developed melanoma. I went to all the doctor appointments and did what I normally would have done even if I didn't have insurance. I was skeptical that they would pay what they said but I sent in the invoices anyway. Lo and behold, they paid their portion after our deductible and copay was met! I was pleasantly suprised! I have been recommending them even before I had to file a claim because they were so responsive to my questions when we signed up. Now I will recommend them full heartedly with no hesitation. Every time I call Embrace customer service I love having a pleasant friendly person on the other end of the phone. I really value and appreciate customer service as well as a no hassle insurance company that you can understand the process. I submitted the documents online and it couldn't have been more easy. I called to set up the direct deposit and they sent an email making sure I received the deposit in my account. What other company do you know that follows up with you to make sure you get your money? None that I know. I am very happy with Embrace.

Trupanion was tops from beginning to the end of the claim process. Over the phone I was made to feel at ease after my pet yorkie swallowed an acorn requiring surgery. The filing process was straightforward and fast. I was updated via emails every step. Our reimbursement check appeared in our account without any follow up or concerns. This made things much easier since our fur baby had gone through so much. This was one less thing to worry over.

Trupanion was tops from beginning to the end of the claim process. Over the phone I was made to feel at ease after my pet yorkie swallowed an acorn requiring surgery. The filing process was straightforward and fast. I was updated via emails every step. Our reimbursement check appeared in our account without any follow up or concerns. This made things much easier since our fur baby had gone through so much. This was one less thing to worry over.

I submitted the claim, received confirmation, notice of refund and received check all in one week!! Wish the did health insurance for humans

I submitted the claim, received confirmation, notice of refund and received check all in one week!! Wish the did health insurance for humans

Claims experience excellent - very simple - fill out form include the bill received emails of claims progress - check in a very timely fashion - Thank you