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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.

I have a goldendoodle puppy, he is just about 10 months old and we have had insurance with healthy paws since he was 5 months old. After doing a lot of research into insurance policies, I decided to go with Healthy Paws because of their annual deductible and reasonable monthly premiums. Recently Peyton developed a growth on his jaw/neck that did not go away when treated with antibiotics. It was a big relief knowing that we would be reimbursed for all the tests and the eventual surgery. The reimbursement process was simple, I uploaded the invoices from the vet through their app and got a check in the mail a few days later. My only comment is that they do not reimburse for any of the vet appointments, even if it is a surgical consult and those can get expensive as well.

people were great that i dealt with. i was a little disappointed that i did not receive the full $3000 per incident as stated. Answer was that they only allow up to certain plateaus per coverage.

Our 14 month old Cavalier King Charles Spaniel "Bentley" certainly gave us quite a scare when finding out he had eaten the metal clips off an ace bandage, After returning home from dinner, we saw he had unraveled the bandage and the clips were missing. We found one clip mangled and the other totally missing. We paniced and called our vet at 10:00 P.M. on a Friday night. He told us to bring Benny in right away and he would be x-rayed and examined. Sure enough, good advise. His tummy lit up and showed many pieces of sharp metal. We had to leave him overnight while they bulk fed him. What a terrible feeling leaving our beautiful puppy who seemed fine, but we knew better. The following day he was released an had expelled quite a bit of the metal, but we still needed to watch him. Healthy paws insurance was a life saver. We were able to concentrate on our pet and not be overwhelmed with the anxiety of the financial part of this accident. Thank you Healthy Paws for being so efficient and helping ease the burden of vetenarian bills. Thank You Thank You again and again....Debbie and Bob

I have ended up with a Rottie who eats rocks. He has now had 4 surgeries to remove rocks from his intestine in the past year and a half. Clearly I am totally stressed about what to do with him but as far as the service from Healthy Paws it is second to none in my opinion. They have promptly processed my claims and asked how Drako is doing. My 3-yr old baby is in good hands with Healthy Paws!

Two of our three dogs (one goldendoodle, the other a labradoodle) were both treated for eye infections. The visits involved extensive diagnostic testing at the vet's office as well as medications. Both claims were filed and paid well within the two-week turn around period. Such comfort to know that cost is never an issue when caring for my dogs.