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Like many other pet owners,I have struggled with making the decision to get pet insurance or not, then struggled with which company to go with. Then Healthy Paws came along. Yes, it is a new company, but after talking with them they are a team of animal lovers trying to help the homeless pet problem in the U.S. and have the business knowledge/experience to make their mission come alive. We run a hard to adopt dog rescue out of our home & have several long term residents to care for; we would have a hard time financially if one of our own tore their ACL or came down with a serious medical issue. Healthy Paws has finally given us peace of mind, and we know our premium is being put to work to help the cause we are committed to. We have had positive experiences with the entire process: questions before enrolling, enrolling on line, filing a claim & reimbursement.

I am a vet tech and I use embrace to cover what my employee discounts do not. I have never had an issue getting things paid for, even with the latest products for heartworm and flea, or new vaccinations. I have known other companies to not remburse customers for those things. I also always get my money direct deposited in a short amount of time.

I've got 2 rescue pit bulls that love to get into anything and everything they can find. Recently my male Mason, had gotten a hold of a mouse that was contaminated with poison. We didn't know it was contaminated until a few days later his jaw swelled up twice the size of his head and he was bleeding profusely through his mouth. He was rushed to the emergency room where he had to have plasma and IV's just to make it through the night. In the morning we took him to his vet and spent another 4 days hospitalized. I filed my claim worried that it would not be accepted. I'm thankful it was because it has helped me so much!! Embrace staff is very understanding and has even emailed me to see how my pets are doing after their claims. They are awesome and I have told all of my friends with pets that they are the insurance to have!

I have a 2 yr old lab cross. Diagnosed with lymphoma at 18 months. Trupanion has covered all diagnostics and chemotherapy treatment costs (except examinations).

I have a 2 yr old lab cross. Diagnosed with lymphoma at 18 months. Trupanion has covered all diagnostics and chemotherapy treatment costs (except examinations).

This definitely helps pay the bills, even if just for annual wellness exams.

Dear Customer Service: I have been very pleased with your pet insurance so far. The claims that I have had to file have been attended to promptly. I have also been very pleased with the reimbursements. I have told all my friends who have pets about your company. I also encourage anyone who is considering obtaining pet insurance for their animals, to contact your company before making a final decision. I also think you should contact veterinarians and send them your brochures to put in their offices, as that is how I originally found out about you. Thanks, again, for being there for my three dogs. Sincerely, Patricia

Pancho was rescued when he was a three month old Pomeranian mix puppy. Although he had not been very well taken care of, I thought that if he was given a quality diet in a clean and friendly environment, we would be able to avoid future health problems. But with poor little Pancho, if it isn't one thing, it is another. Shortly after bringing him home, I researched various pet health insurance companies. Embrace stood out because of their allowances and coverage policies. Getting the vet's office to submit claims when Pancho came down with a problem was the hardest part. Once the vet took seriously the fact that Pancho had health insurance, there was no problem getting reimbursed for the actions the had to take to test and remedy the problems Pancho has had. Now, Pancho seems to be in good health. I am very thankful that Embrace has been there for both of us. This pet insurance has given Pancho a better, healthier life than he would have had without Embrace.

When my boxer was 6 months old, he hurt his back from the other boxer jumping on him. They did it again a month later. I took my dogs in for shots and he was checked out. No problems. I saw the pamplet for ASPCA insurance, so I got it. 2 months later, my dogs had a fever and sore neck and back. This was totally different from the other episodes. I took him to the vet and after many test found out he had spinal menigitis. When I put in the claims, equaling about $7500, they denied it saying it was pre-existing. There are no records of the dog having pain associated with fever in anywhere. I could not have let my dog go 4 moths with this disease. Then they said it was hereditary also. I found many articles saying it is unknown what triggers this disease and it cannot be classified as hereditary, plus I talk to specialists and other veterinarians, but they still denied my claim. Make sure you know what they consider hereditary, genetic or what other ways they can turn it around to their benefit.

Last year after donating to the ASPCA I received information regarding their pet insurance and decided that it was finally time to sign up my two cats. They were both healthy at the time but one was getting older and I figured I'd rather have it and not need it. About six months later my cat was diagnosed with diabetes and the costs associated were pretty expensive but the pet insurance kicked right in, submitting claims was incredibly easy, and, if need be, you can get someone on the phone to help very quickly and they are very pleasant and helpful. I opted for a primary plan with continuing care for the one cat and it has already paid for itself several times over. They pay a good percentage of the actual cost, incuding medications, and you receive a check pretty quickly once you submit the claim. I had one charge that they declined to cover- I called and explained that the charge was related to the cat's diabetes, resubmitted the claim and received payment within a couple weeks. I really couldnt recommend this pet insurance enough!