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I am a first time puppy owner and very recently my puppy was bitten on the face by another dog. His bite was heavily infected and he needed an abscess surgical procedure done as well as a month of antibiotics. I downloaded the Healthy Paws app and it is extremely easy to use to process your claims. All you have to do is snap a photo of you invoice and the claims will get processed in about 1-2 days. For my puppy's surgery, I submitted the invoice on a Thursday, got my claim processed on Friday, and on Monday I received my reimbursement in the mail! Even my co-worker (who has had a dog for 9 years) was blown away by how fast the service was. In addition, Healthy Paws personally reached out to me to check up on Cooper to make sure that he was doing okay. The customer service was one of the best I've ever received for an insurance company.

I don't typically run to the vet unless I really feel it is necessary but when your dog swallows a razor, well it becomes necessary. I really could not afford a huge vet bill but I could not afford to lose her either. It 's nice to know that when you really need the help Embrace is there to help. They make submitting a claim effortless and they are gems to deal with. I'm 50 years old and didn't believe in pet insurance until I went with Embrace. I wish they did family health insurance!

Last summer, our 1y old cat was diagnosed with FIP (or rather, at that time, suspicion of FIP). She recovered of some of her initial symptoms, thanks to the excellent care of our vets (AMC NYC), where at some point she even appeared to in excellent condition again... Yet the past few weeks her condition declined so badly that eventually she was no longer able to walk and stopped eating. Finally, we had to make the difficult decision to opt for euthanasia. But thanks to the excellent service and hassle-free paybacks of Trupanion, we are confident we have been able to explore all possible options. Because of our Trupanion insurance, we could focus on giving our pet the best possible treatment, without having to worry too much about the financial implications. We are truly grateful for how smoothly Trupanion handled our claims, amounting to a few USD 1000s in total.

Last summer, our 1y old cat was diagnosed with FIP (or rather, at that time, suspicion of FIP). She recovered of some of her initial symptoms, thanks to the excellent care of our vets (AMC NYC), where at some point she even appeared to in excellent condition again... Yet the past few weeks her condition declined so badly that eventually she was no longer able to walk and stopped eating. Finally, we had to make the difficult decision to opt for euthanasia. But thanks to the excellent service and hassle-free paybacks of Trupanion, we are confident we have been able to explore all possible options. Because of our Trupanion insurance, we could focus on giving our pet the best possible treatment, without having to worry too much about the financial implications. We are truly grateful for how smoothly Trupanion handled our claims, amounting to a few USD 1000s in total.

These guys are SO easy to work with and so prompt and fair. I had some lumps cut out of my dog and submitted the bill Tuesday (upload PDF to website, so easy) and got the approval Wednesday for 90% of the bill!! This is the third time I've submitted and they've all been super easy and fast but this time really blew me away. Great company.

Had to file a claim for a medical (intestinal) issue with our dog. Submitted claim and was kept in the loop nicely, check came quickly. Had previously filed claim for surgery but that wasn't covered due to it being "pre-existing", although that hadn't been determined by the vet. So that part was subjective and I'm iffy on their decision. They did apply a portion of that to the deductible. They have a great app for claim tracking & submittal.

After doing a decent amount of research, I decided on Healthy Paws and am very satisfied with my choice. So far I have been reimbursed exactly as they said they would. No questions asked - if my pet has had any vet needs, they have covered it (aside from the basic visit and vaccines, which they are clear about not covering). My Boston Terrier has unfortunately had a few more colds and issues than we would have hoped for in her first few months, but luckily Healthy Paws has made this much more bearable on the wallet!

WHAT A FRAUD! We signed our rescue puppy up a few months after we got him, just in case, and are currently in the process of being scammed by this company. He was always our accident prone pup, with access to woods, so we wanted to make sure he was covered if anything ever happened. A few months before we even signed him up he had gotten in to something in the woods that made him very sick and had to be rushed to the emergency vet for fluids. Thus the reason for the insurance sign up in July. In early September or puppy wad diagnosed with epilepsy and I remember feeling this huge sense of relief having this insurance.....even lucky that we had signed him up and he was past the activation date before his diagnosis. The first claim I submitted was for his visit to the specialist which was denied because they do not cover office visits.....fine. The second, and last claim, I submitted was for his medication which I knew was supposed to be covered. Once this claim was submitted and I provided his medical records, they proceded to use any vet visit he ever had as evidence of his epilepsy, even the instance in which it is clearly noted by our vet that he got into something poisonous. When contacting the company all they had were drones answering the phones that just kept repeating "well, our policy..." but could not answer how he can have a pre existing condition when he wasn't diagnosed with any condition until September? Or why we would go through a rigorous and expensive testing if they already knew what it was? If the doctor didn't know what it was and had to refer us to a specialist, what makes the employees at healthy paws more qualified? The best part is that they denied refunding me in full because I had submitted claims....THAT WERE BOTH DENIED! If we weren't saddled with the cost of treating our epileptic dog, I would seriously consider seeking legal counsel to go over the policy and actions taken by healthy paws because there is something seriously wrong here and now that we have a diagnosis from the neurologist, he will never be eligible for insurance again. Thanks for screwing us in the short and long term healthy paws!

Wonderful customer service via email. They follow through every step of the process. Happy with this company. We have been customers for several years

At 12:15am one night in August, I went to retrieve my 6 year old male cat Misty May from my screened in porch. He struggled, tried to bite me and twisted out of my arms on to the porch floor where he vomited and hunched up in obvious pain and distress. I rushed him to Animal Emergency where he was diagnosed with acute pancreatitis and ileus. He spent two days in the hospital in supportive care. The bill was $2000! I submitted the claims and Embrace did cover the cost less my deductible and 20% co-pay. However I will say it took Embrace more than 6 weeks to reimburse me and multiple emails back and forth. Nonetheless, I was glad I had the policy and do recommend insuring your pet with Embrace.