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I've searched all pet insurance carriers and ASPCA still came out on top for the value combined with coverage. Our 8 y/o miniature schnauzer became extremely ill with gastrointestinal symptoms and had to spend a night in the hospital. Claim reimbursement was pretty quick at just under a month.

My pet had tumors on his side, in his mouth and on his leg. Concerned with them being cancerous, with my pet insurance having the flexibility to have them removed was comforting. My two claims were handeled within three weeks of submitting and most of the fees were considered reasonable and therefore, reimbursed at the 90%. When reaching out with questions, I have found the ASPCA folks to be very friendly and helpful. I would highly recommend.

Last year, thanks to your coverage, we were able to save our cocker spaniel Annie when she developed a severe form of anemia requiring transfusions as well as some pricey medications. This year we were able to get our cocker spaniel Jennie up on her paws when she ruptured a disc requiring spinal surgery. I have called your office on many occasions stressed out and in tears to be told by your rep, "don't worry....we have her covered." I can't imagine having pets and not having you! I carry your flyers with me so I always have some to give out. You are a blessing in every way.

Embrace has been nothing but fantastic. Great coverage, great customer service and great communication. We appreciate it all and because of this, are now loyal customers as well. We are thrilled to have gone with embrace and have had such a good experience as we were unsure of even getting any policy. Nothing but the best recommendation!

The people at Embrace are friendly and helpful, and the coverage is comprehensive and includes conditions other companies exclude, but it takes a couple of months to get a claim processed. (I received word today, 11/27, that my claim from 9/25 has been processed.) When I asked why, the answer was that they are training new employees. However, I submitted two claims over a 6 month period, and the wait time was close to two months both times, so that answer doesn't seem sufficient. Still, I appreciate the level of coverage and would recommend the company on the basis of that.

Last month, my male cat, Miley, underwent a surgery called a "perineal urethrostomy" to save his life. He was hospitalized prior to and following the surgery. Unfortunately, he just had to have a follow-up surgery as he did not heal properly from the first. Healthy Paws processed all of my claims within a few days! I am beyond grateful that I chose this pet insurance for my Miley. I can focus on helping him to heal and not have to worry about how I will pay the vet bills. I chose a plan that covers 90% of eligible expenses. There are essentially 4 options for plans and there is no lifetime limits. Everything has been covered for Miley at 90% including meds, hospitalization, and surgeries. I have only had to pay for things like the exam and anything that is considered proactive (in this case, the special prescription food he needs). Healthy Paws also helped us immensely last year when Miley has surgery for mast cell tumors. I highly recommend this plan for all pets.

Healthy Paws is one of the best companies I have ever dealt with, much less by far hands down the best insurance company - person or pet. Healthy Paws are what I think insurance companies were originally intended for (people, place or pet). You sign up for your plan, pay your premium (hope you never have to use it) and when the time unfortunately comes and you have to use it they cover you for what was agreed upon without nitpicking every single thing looking for a way to avoid paying out. They also treat you with respect, kindness, professionalism and prompt polite service. My dog has been covered by them since about 2010 and really haven't had to use it thankfully until this summer. Oliver started limping around August and having an issue with his rear right leg. The vet thought he had a torn ACL and we started him on conservative treatment - acupuncture, Rimadyl, rest and weight loss in hopes to avoid surgery. Healthy Paws covered his vet bills according to the plan I signed up for - 80% with a $100 deductible. Unfortunately he still needed surgery so scheduled it for the end of September. The night before Oliver seemed to injure his rear left leg and could barely walk. He had the rear right leg surgery and could only wait and see on next steps for the new injury once he was healed up. Stressful (and expensive) time to say the least. I picked him up from vet on a Friday, had his claim submitted and I had an email from them in 2 days stating they were proces

For my other dogs, I had VPI, and I was constantly hunting down my claims, and explaining, over and over again, why I had filed the claim. They were a lot of work. I am so very glad that I chose Embrace for my new puppy. We purchased the Wellness package, And I'm happy we did. Embrace e-mails, and lets me know at what stage the claim is in, and if there is a problem, they actually call the vet, and rectify the issue. VPI would expect me to take care of it. I feel like Embrace is a friend.

First ever insurance claim-Julie ended up with a piece of wood that caused some problems trying to pass. Multiple visits, x rays, meds, and an overnight at the emergency vet later my bills were over $2000. Everything except the exam fee, my deductible and 20% to be paid by me according to my plan was reimbursed as soon as I got all my records in. They even sent a follow up email to see how she was doing. The only thing is they won't cover any ear infections since she had one before I signed up, which I think is kind of lame

Embrace assisted me with my dental bill for my dog, Cookie. I had a easy process of submitting my paperwork and within the required days I received my reimbursement of $400.00.