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My mixed breed Golden Retriever Sugarbear has had numerous medical problem in the past few years. I understand that she is now 14 years old and is in her retirement age. The qualified people at ASPCA have been there for me all the way. Helping with my claims & also phone calls to follow up on her recovery. And even asked how I was doing. Just can't say enough good things about them Highly Recommended!!!!

I've had my new puppy Riley for three weeks. Previously I owned three dogs over an expanse of 30 years and had no insurance with any of those dogs. My dogs are my family; therefore I do not compromise on providing them the quality care they need which has included visits to canine cardiologists, canine ophthalmologists, as well as covering the costs for two canine ACL surgeries just to name a few incidents. I have watched over the years as veterinary costs have escalated through the roof. Thirty years ago it was not like it is today. It concerns me the victims of escalating vet care costs are none other than our beloved pets. Unless you're a wealthy individual, responsible average-earner individuals will choose in the future not to take on pet ownership in order to avoid taking on its associated financial burden, and irresponsible individuals - well many can't even take care of themselves. After my last pet passed, I seriously questioned if I wanted to assume the financial responsibility again. Years ago pet insurance was nothing more than a discount program with major loopholes written into the policies that favored the insurance company. Before getting my new puppy, I decided to give pet insurance another look and that's when I discovered Embrace, a real pet insurance carrier that administers a plan somewhat similar to how health coverage is managed for individuals. Many people think they can't afford health insurance because they want first-dollar coverage, so they don't buy any coverage. Insurance is for worst-case scenarios, i.e., catastrophic coverage. For me, I felt I could manage a reasonable out-of-pocket expenditure so I opted to purchase a $500 deductible / 70% coverage / $5,000 annual limit plan. I also purchased the Wellness Plan as the coverage offered at zero deductible is outstanding especially for a puppy's first year. Now I rest comfortably knowing that a significant illness or injury isn't going to devastate my finances. I give kudos to Embrace for offering such a quality product.

I've said it before and I'll say it again: it's insane that my dog insurance is so much better than my human insurance in every conceivable way. I signed up for Healthy Paws shortly after adopting my pitbull Ivy. I sent in all her medical records (it's important to do this so that your first claim goes smoothly). Well about a year later she tears both of her ACL's. I got the left leg done first because it was torn the most, and after the surgery all I had to do was take a picture of her invoices and send them via the healthy paws app. Literally within one week there was a check in the mailbox totaling about $5,500 - 90% of the cost of the surgery. Without it there's no way I could have afforded to get it done. without the insurance. There was no arguing over the phone with anyone, no paperwork, no loopholes, nothing. Just a check in the mail. Totally blew my mind. I would definitely recommend them, and I highly recommend you get the insurance as soon as possible, especially if you have an accident prone dog.

First of all, thank you Healthy Paws so much for your amazingly personal and efficient service. I submitted the invoice and my Vet uploaded our puppy's records on a Monday and we had our reimbursement check on that Thursday. I have posted to all my social media, so you may be getting an uptick in business. Many are skeptical about pet insurance, and even the emergency pet hospital had not heard about good pet insurance, so I'm glad I did my research and could not recommend you highly enough.

I have had this insurance for years now, maybe 7? and they have been consistant, fair and have given excellent service. It has been a hugh financial help--wish I'd had it for the rattler bite!

We were worried about the cost but our claim was handled so quick and we were able to get our puppy the help he needed.

I had my first wellness claim with Embrase. I emailed the claim form and invoice and they processed quickly and I got my check within 3 weeks of the claim. They covered it all and did not request more documetation or answer these questions or this wasn't covered. They did a great, fast job.

I had three policy's two on Lori my three year old cat . I have spent over $800.00 and claim amount return $75.00 .Again beware of this plan . I'm going to post on all sights don't enroll in Pets Best .

They are pretty quick with reimbursements. You have to pay attention to their list of covered diseases and surgeries. My policy has a maximum amount per year per disease, but they did pay up. I have an old policy with 100% reimbursement after i meet the $500 deductible. I doubt they offer such a policy any more.

I've used 2 other insurance companies for 2 other dogs. I thought I was pretty savvy so I was surprised to discover that exam fees are not covered (even in cases of illness, from what I can tell). Nor do exam fees or wellcare count toward your deductible. Hence, you can have a fairly significant bill and get only a few dollars back. I chose Healthy Paws over other plans thinking it would be better...The reps are lovely and the service is fast but the jury is still out. I would give a qualified recommendation to others.