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I am very satisfied with the quick reimbursement from Embrace regarding my wellness plan claim. I purchased the $200 wellness plan, and all the annual wellness exam/procedural vet fees were accepted and reimbursed up to that amount. I am still working toward reaching my $500 deductible for the certificate of insurance accident/injury plan so can't comment on the results at this time. My back-and-forth e-mail communication with the Embrace professionals has been more than satisfactory as well.

STOP!! If you are looking to insure your pet, then you need to stop looking at other options and sign up with Healthy Paws! I spent days, really weeks, researching the best way to insure our new baby and until I talked to Jen at Healthy Paws I was more confused with each call I made and less then impressed with any company. Sadly most these companies repeat the dreaded recording “monitored for quality control”. Healthy Paws doesn’t need to police their reps, because they hire the right people in the first place! They hire vet techs so you get the right answer, the SAME answer every time. They are experts and know what they are talking about, without referring to a script or cheat sheets. They answer your questions with knowledge and integrity and with CARE! I talked to Jen the day before I had our little girl spayed, I didn’t sign up that day because I was preoccupied with the surgery our pup was going to be going through. Jen sent me an email (keep in mind this was BEFORE I was a client) and assured me that if my vet was unreachable over the weekend to give Healthy Paws a call, because with their background they may be able to help. That’s all I needed to read to stop looking and hand over my peace of mind to this group of fine folks that cared about me and my dog before they needed to. I have been so impressed with each conversation I have had with this group, and as they told me when I signed up, it was their pleasure answering all my new pet parent

We have used Embrace for a year and a half and very much appreciate the responsiveness of the staff. They acknowledge the receipt of claims and then process those claims expediently (one to two weeks). They don't send "generic" emails loaded with jargon, just simple, direct communications about the status of the claim. The Wellness plan supports preventive care and provides more peace of mind. The reason I rate them 9 instead of 10 is that they do not cover genetic conditions particular to your breed. I only know of one other insurance company that does, but I have been so pleased with the professionalism and personal touch at Embrace, that it would take a lot for me to switch.

With our Murphy we received timely response on his health care claim. Although I'm a little disappointed with Cody's claim which I felt should have been taken care of already (guanranteed it was faxed over the Thanksgiving holiday which I think the claim center was closed that Friday) but I should have heard something by the 17th and still wainting.

I have had Trupanion since my Lab was 8 weeks old. They signed me up at a rate of $33 a month, but within the first year they increased my premium to $45 a month. In the 2nd year of coverage they raised my premium to $51 a month. Now I have just recieved a new notice advising me my monthly rate will be $71 a month. They always claim this not because of claims history but because of higher Vet. costs. Well my Vet has not increased his rates in the last 3 years, but Trupanion has increasd my premiums by over 100%.

Rocky is a Pug Shit-zu cross who was diagnosed with IVDD by Dr Yeung here in Duncan B.C., at the Prevost Clinic. Trupanion's response was timely and totaly satisfying. Rocky is now back to his old self. Many thanks to all, and Happy Holidays!!!!!!

Rocky is a Pug Shit-zu cross who was diagnosed with IVDD by Dr Yeung here in Duncan B.C., at the Prevost Clinic. Trupanion's response was timely and totaly satisfying. Rocky is now back to his old self. Many thanks to all, and Happy Holidays!!!!!!

I've just acquired a second dog and they are both insured with Embrace. Although, I'm a new customer, I have found Embrace to be expeditious in responding to claims and most efficient in keeping me apprised of the status of filed claims and all other matters concerning the wellness of my puppies.

WE have had a nightmare with the AKC — We are taking to our State Department of Insurance for review. This company needs to be held accountable. I would suggest any other provider BUT the AKC. I have dropped the AKC insurance because "seperate incidents" the AKC considered one and DENIED my claims! They have PER INCIDENT LOOP HOLE -- WATCH OUT for that! Wish I knew that. Our experience is they even denied euthanasia for my beloved pet. This is with teh AKC WELLNESS PLAN as well -- the most enriched plan available. I thought I had good coverage EXCEPT the AKC has a HUGE LOOP HOLE that puts everything as ONE INCIDENT and then they DENY the claim- even when they have separate illnesses and DOS listed on the EOB they PREPARED and clearly they are not the same incident. STAY AWAY from this provider if you truly want to have your pet insured. Many other providers with excellent COVERAGE. I found this site fabulous here to be very helpful during my pursuit in finding a new insurance providers for my pups. For myself I selected Embrace that does not have the PER INCIDENT LOOP HOLE!! AKC has been a horrific experience, a huge expense and provided heartache and a PREMIUM cost! I don't wish that on anyone.

Sometime last summer my Labradoodle helped herself to leftover corn on the cob out of the trash. For some reason it took until Thanksgiving week to cause an intestinal obstruction. She had to have emergency surgery. She is almost 4 and I have had Embrace since she was a pup. This was my first claim and I anticipated there may be some hassle. I submitted the paper work and all went very smoothly. They communicated with me frequently with e-mail and I was very pleased. It gives me peace of mind knowing they are reliable and honest.