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The process used to be quicker. I also believe in the past, and I could be wrong, that euthanasia was paid in full and not with a copay from a diagnosis.

Every claim is explained clearly. There is no guessing as to the reason for or against the payment. Fast response, usually within 5-7 business days.

Our black lab, split his nail and it became infected. Embrace is always so supportive of our claims. I highly recommend them to every pet owner!

I have been paying premiums for 6 years. Second claim I put in and second claim rejected. First claim was for dog needing soft tissue surgery. Dog has Addison's disease. Pre existing and this I understand and accept. The surgical wound was slow to heal due to incision being on joint (hip) with a lot of inflammation and infection needing to come out. Dog also ripped incision open and needed staples which further delayed healing. They blamed healing delay on addisons disease and rejected claim. The vet sent them letter disputing the claim stating that the surgical incision healing delay was NOT related to the Addison's disease and they did reimburse. Shouldn't have been needed though. Second claim was for ear infection so bad ear had to be flushed under general anesthesia. I opted to have the dogs teeth cleaned while under. The teeth cleaning is not covered which I understand and accept. The are refusing to reimburse the cost of 177 for the anesthetic and 73 for professional and nursing care. They claim these fees are vet and consult fees. Someone on the phone told me to get a letter from my vet stating what percentage of the anesthetic was related to ear flushing and what percentage was related to teeth cleaning??? This is the stupidest thing I have ever heard. They also claim they do not raise premiums as dog ages yet they never forget to raise my annual premiums. This is the worst company. Please research before signing up with them.

Not only has Healthy been timely and communicative with their reimbursements but they have gone so far as to follow up with me when my pooch has undergone more significant treatments. The vast majority of pet owners that I know who carry pet insurance have been less than satisfied with their provider so I feel like I have struck gold with Healthy Paws.

Our little Yorkie tore his ACL on the left rear leg and had a fluctuating Patella on the right rear leg. We were deeply concerned when the injury happened. Someone knocked on our homes front door and Buddy got excited and ran towards the door and slipped injuring his rear legs on the tile floor. Healthy Paws absolutely took care of everything and now Buddy is fine after his surgery! Highly recommend Healthy Paws! The people their are great!

Great company! Claims are quick and easy to process, they even checed up via email to make sure my dog is doing well through her recovery!

These guys are amazing! After a rather large vet bill for one of them, I began to research pet insurance for my 3 very active Aussies. Unlike several other companies i looked at, Healthy Paws spells coverage and exclusions out clearly on their site and sticks to what they promise. No surprises. I like the annual deductible as well. Within a month of purchase and qualification, one of my other dogs blew out her knee requiring surgery. Submitting her medical history and the claim was easy and payment was fast and as advertised. When she required another surgery less than a year later, submission online was even easier and the check came in a week! I give Healthy Paws my highest recommendation. No games, good coverage, super easy to work with, and quick payment. Above all, they do exactly what they promise!

We had Embrace for about 15 months, toward the end of our two dogs' lives. I was concerned that their climbing medical bills would be an issue, but Embrace treated us very fairly, paid claims quickly and offered clear explanations of benefits and coverage tracking. I am very grateful for their ease of doing business while we were trying to deal with stressful medical issues and bills coming from all directions.

I've had Healthy Paws pet insurance since I brought my dog home more than four years ago. I have a French Bulldog and I thought she might be at risk of respiratory issues. Well, she's had none of those but certainly some other health issues I would not have been ready for without Healthy Paws. They're not right for everyone - they don't cover regular maintenance or basic doctor visits but with my plan (there are coverage level options), they have covered 90% of two surgeries and two separate hospitalizations for different issues. It's the unplanned events that are hard on a budget but with Healthy Paws, I can worry about my pup and less about my wallet. They also have an easy to use mobile app for claim submissions that is really handy. I get paid for claims quickly and easily. In fact, I get emails to check on how she's doing. I have recommended Healthy Paws to many friends. They have been a life saver.