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BEWARE!!! For simply moving addresses (less than 10 miles away from original location) they will try to increase your monthly rate by 60%!! I was paying $47.47 for living in La Mesa and moved to Santee (less than 10 miles away, less than a 15 minute drive, and was still planning on using my original vet in La Mesa) and for simply updating my address on file, they tried to increase my rate to $79.13!!! ABSOLUTELY OUTRAGEOUS, if you ask me. We immediately (and gladly!) switched pet insurance companies and I advise you do the same.

In March one of my dogs was diagnosed with Addison's disease and required 3 days of care. Embrace reimbursed me 80% after the remaining deductible was met. She currently has to have monthly shots and daily medication to control it, which cost over $200.00 per month. Embrace reimburses me 80% on the medication after deductible is met. I have had pet insurance on my pets for several years, but Embrace provides the best coverage for the services my pets need.

We've have this insurance for our Cavalier King Charles, Shamus, for over three years, and it's saved us from spending over $8,000 in that time. When Shamus was one, he needed emergency surgery to remove a foreign object stuck in his intestines. Soon after, we filed a claim with Pets Best, and in a matter of days were paid about 80% of the total costs. Last month, the poor dog had a respiratory crisis and needed surgery to shorten his soft palate and ease his breathing. We filed a claim with Pets Best last Wednesday and received the explanation of benefits 6 days later (covering 80% of the costs again). It's incredibly easy to use their site and file a claim, and their response time is quick. I'm so glad we got this insurance. I never imagined the accidents and surgeries our dog would have to endure, but he's our life and we're so lucky we found Pets Best to come to his/our aid when we need it the most.

You folks are very helpful and cover so very much

I have had Embrace Insurance now for several years and I am extremely pleased with the customer service, immediate follow-up, and the professional and gracious way that every representative of the company has dealt with me. They understand the anxiety that people have when their pet is sick, and how financial expense just compounds the frustration. I only wish my family health insurance company was as client-oriented as Embrace.

I have had this insurance for my black lab, Tank, since November 2015. He is a high energy dog, and unfortunately has gotten himself into some situations requiring veterinary care several times. Last December he dug under our fence and went to the orchard next door and ate squirrel poison. Most recently, he injured his knee (his CCL) requiring surgery to repair it. I am extremely happy that I had insurance for him, since each one was quite expensive.When looking for insurance for Tank, I read a lot online about many companies, but was most impressed with Healthy Paws. Reviews were great, and I'm happy to report that I have had similar experiences. Claims are processed very quickly, and they are a breeze to submit. I had expected lengthy forms, like human insurance would require, but that is not the case here. For this recent claim with the knee repair, I submitted the claim on a Thursday, and 3 days later (on a Sunday!) I was notified that my claim had been processed and a check was being sent out to me the next day. I have spoken to friends who were insured by other companies, and none of them have had the excellent service that I have received from Healthy Paws. They are rated #1 for a reason! If you are considering insurance, you won't be sorry you chose this company.

After reporting a reimbursement oversight to Embrace, my inquiry was quickly answered and resolved. This level of service is what I have come to expect from Embrace.

Extremely helpful in acquiring claim form. Quick response to claim.

I spent significant time reviewing pet insurance providers when I adopted my Labrador 5 years ago. I selected Healthy Paws because they cover what matters for a large breed and there are no life time limits. My boy Cooper sees a dermatology specialist, receives acupuncture, and is on several expensive medications. I've never had any issues with coverage and receive the reimbursements within a week of claim submission. I put Healthy Paws to the ultimate test this year when my boy fell very ill due to a terrible reaction to a medication. Between a week hospitalized, surgery, and after care with specialists the $22k spent was fully covered. The only charges I had to "eat" were the exam fees. What is most critical is that there are no lifetime limits! The customer service is absolutely exceptional. The staff are clearly animal lovers and checked in with me on how my boy was recovering. You will not regret Healthy Paws!!! Submitting a claim is so easy! Take a photo with your phone and submit via an app.

Healthy Paws made submitting a claim and redeeming benefits straightforward, hassle free and fast. The reimbursement amount was exactly what we expected based on our deductible and reimbursement level. No push back, no surprises, and a quick turnaround on the reimbursement check. We are really happy we made the investment in Happy Paws pet insurance.