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We have been with Healthy Paws just over a year and have had to submit a couple claims in that time frame. First, the claim process couldn't be easier. I submitted one brief form with receipt and received email confirmation that it was being processed. Second, the claim was processed within a few days and exactly as promised with no "fine print" exclusions. The check was in the bank before the incisions fully healed. Third, I truly appreciated the caring follow up email from the company asking about my pet's recovery. Just made me feel good about the attention to customer service. Overall, would highly recommend!

Our 4 month old Golden Doodle "Chompx" suffered kidney failure. He was hospitalized in ICU for 2 weeks before being transferred to UF for dialysis. The bill was approximately $18k. Within hours of his discharge from the first hospital I had an email from Healthy Paws closing out the claim and confirming that a check for 90% - our deductible was on the way. Throughout this process, HP has checked in on Chompx, and shown genuine concern for our little man. When we were first told he was to be hospitalized, HP offered support and told us just to focus on Chompx. That was such a relief. I expected there would be issues with reimbursement, that seems to be the issue with all insurance companies.. there was no issue, no fuss, no drama. I had the reimbursement check within days! Afterwards, they emailed to check on Chompx as well. Throughout this nightmare, they have shown genuine concern for Chompx and they have taken the biggest burden off our minds as we focus on Chompx's recovery. Simple, flawless, expedited reimbursement for your pet's medical needs. Finally a pet insurance that actually does what it says. I've never had a dog with any serious medical issue such as this, I never thought I'd need this, but I am so glad we had it. I will never risk being without Healthy Paws pet insurance again, because no matter how careful you are, anything can happen. Throughout this journey with Chompx, we have seen countless owners forced into making a very painful decision based on finances alone. It's been heartbreaking to see that time after time, as our nightmare is ongoing (more than a month). Whatever happens with Chompx, we know that we've been fortunate to provide him absolutely every possible chance for a full recovery and without Healthy Paws, he would not have had that luxury. Healthy Paws has been and continues to be the only silver lining in our nightmare.

I am glad to say that you finally have my email address correct so that you don't have to send them to my phone. Please do not send them to my phone...ONLY to my email which is heyjude12541@aol.com. However I still cannot get in with my user name which is: Judy Gustafson and the error message keep coming up even now after speaking with your representatives several times on Tues. Nov 6, 2015. I was so upset yesterday...sorry. I will see when my check comes, how happy I am. Thank you, JUDY GUSTAFSON/Judy Gustafson

We have had Embrace coverage on our two dogs for 4+ years now; the dogs are young and healthy but do get into trouble now and then. Embrace covers all they say they will, plus has prompt claim resolution and excellent customer service.

The coverage seems fair, and competitive with other plans. But, buyer beware, they only accept automatic deduction payments from your checking account or from a credit card, and they offer NO way to change the date of the auto-deduct. If you call Customer Service (even with plenty of time ahead of your payment date), they will advise that the day of the month that you started your policy will forever be your auto-deduct date. NO exceptions, and there is NO way to request another date instead. So, if your auto-deduct is on the 3rd of the month, and that is hard for you to manage with rent, etc., there is no way to request the auto-deduct at a different time in the month. Currently, I feel TRAPPED. I explained that due to a medical emergency, my funds were a little low, but with my next paycheck, I can easily cover the premium amount. All I asked for was a 2-day delay of payment. I was told this is impossible. That does not convey good customer service to me, and may be something you want to consider when comparing plans.

I submitted a claim a month ago and I am still waiting for a determination if the claim will be accepted and a reimbursement. When I originally enrolled, I provided all the medical history I had from the adoption agency and my first vet visit, however when I needed to file my first claim, Embrace claimed they needed to request the medical history from my vet for three and a half weeks now. My claim was for an injury related to a fall, so I don't know how a medical history would have any impact on that claim. Not like there is a preexisting condition possibility. The customer service reps I have dealt with via email and phone calls have not been helpful and have blamed my vet. I've had other claims for my other dog that went very smoothly, and I have even recommended Embrace to other people, so I'm not sure if there was a recent change at Embrace but I am not happy. If I had this experience first I would have cancelled the insurance and not insured another dog.

CJ, my English Cream Golden Retriever (almost 2 years) was dealing with diarrhea, losing weight, stomach pain and once in a while vomiting. My vet had a suspicion that CJ has IBD. To be sure CJ needed an intestinal biopsy which is the only way to find out IBD. It hurts to see your pet in pain and I wanted him to get the right treatment, so he can have fun again. Healthy Paws gave me such great support. Whenever I called they were friendly kind and very helpful. My claim was processed within a week and the greatest was when I received an e-mail from Healthy Paws where I was asked how CJ is feeling. That was so amassing and shows me that Healthy Paws really cares. Thank you so much for all your support.Woof from CJ 

We've had Trupanion since we got our dog, Ferris, when he was 1.5 y/o. He was born with idiopathic megaesophagus and requires feeding via a g-tube becuase his esophagus doesn't work. Unfortunately this was considered a pre-existing condition and not covered; thus we've encountered much expenses. Alas this is not a burden but an honor to do for our baby. All was well till recently when he was diagnosed with lymphoma. I was scared because there is no real cure and also because of the costs. I didn't think Trupanion would cover anything and was about to cancel it. But the Lord takes care of his children. Trupanion covered the sick visits, work up, specialist, hospital stay, medicines and all chemo and immunotherapy treatments! Thank you Trupanion for helping during these difficult times and letting us concentrate on our baby instead of expenses. The hospital told us they see numerous pet parents that cancel their insurances rght before horrible/expensive diagnoses and then it's too late; parents don't think they'll ever need it or that Trupanion will cover things. We're now recommending to everyone to get Trupanion as soon as possible (preferably at young ages) and never to cancel. Our family and Ferris thank you Trupanion!

We've had Trupanion since we got our dog, Ferris, when he was 1.5 y/o. He was born with idiopathic megaesophagus and requires feeding via a g-tube becuase his esophagus doesn't work. Unfortunately this was considered a pre-existing condition and not covered; thus we've encountered much expenses. Alas this is not a burden but an honor to do for our baby. All was well till recently when he was diagnosed with lymphoma. I was scared because there is no real cure and also because of the costs. I didn't think Trupanion would cover anything and was about to cancel it. But the Lord takes care of his children. Trupanion covered the sick visits, work up, specialist, hospital stay, medicines and all chemo and immunotherapy treatments! Thank you Trupanion for helping during these difficult times and letting us concentrate on our baby instead of expenses. The hospital told us they see numerous pet parents that cancel their insurances rght before horrible/expensive diagnoses and then it's too late; parents don't think they'll ever need it or that Trupanion will cover things. We're now recommending to everyone to get Trupanion as soon as possible (preferably at young ages) and never to cancel. Our family and Ferris thank you Trupanion!

My dog recently had an ear infection, which was not a pre-existing condition and yet Embrace denied the claim. The "reason" cited was that somehow the ear is related to a dermatological condition. The Veterinarian could not believe this bogus reason for denying the claim since an inner ear infection is of course NOT a dermatological condition. If Embrace does not reprocess and pay I will never renew this insurance and plan to address this in my newspaper column. As a consumer advocate, I try to give the benefit of the doubt, but this is ridiculous. Like my Veterinarian, I am incredulous.