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When we adopted our mixed breed Schnauzer 6 yrs ago, we were advised to consider pet Health insurance for possible unforeseen emergencies. When we discovered that vet bills could be higher that human health bills, we opted after careful research for the 90-10 plan from Embrace with a $500 deductible & $10,0000 annual limit. For the 1 st 3 years of the coverage was about a wash with the few vet bills & related problems basically a break even experience. However, just under 3 years ago, our pooch lost most of her eye site and was diagnosed with a large but slow growing brain tumor which with treatment could have a reasonably normal life. Since this event, Embrace has paid out almost $15,000 and has renewed our policy with no ifs ,ands or buts. They have been honest & fair throughout the entire process. As a business & property owner dealing with numerous insurance issues on a regular basis, I found these folks to be the gold standard on how an insurance company is supposed to operate. Unfortunately, Embrace has proved to be the exception rather than the rule. Other insurance companies would be smart to emulate the dealings of these folks. Over all a 10 out of 10!

In one office visit, we finally hit our deductible. We've only had to send in one claim so far and it is already worth it.

I cant say enough about "Embrace"...if my dog can speak she would Thank-you for all the care they have given her to make her life...I truly can't say enough about how everyone is so attentive and professional....Thank-you "Embrace"....Your friend Chubz

I have had my policy for years. I have paid through the nose for coverage for my dog. She had a few minor problems and every time I submitted a claim it was denied because of my 250.00 PER INCIDENT copay! I just took her to the vet for a teeth cleaning where she had two teeth pulled. Now I have her teeth cleaned every two years. First I received an email stating that they had to see her medical records before settling the claim. Well they paid 100.00 of the 560.00 bill. They split the bill in two and paid 100.00 for some of the things but the rest they said WAS DENIED because of periodontal disease and THAT is not covered under her 66.00 a month policy! OH and while waiting to receive payment I received a policy renewal letter stating my monthly cost would not be 90.00!!!!!! Unless your dog is hit by a car or something MAJOR happens this is not worth it. I would rather take my chances and use a credit card to pay for her bills then WASTE thousands over time and each time you submit a claim it is either denied or you get a very small payment. NEVER AGAIN

I've been to the vet many times with my 10+ year old Great Pyrenees. My vet is always willing to submit the claims for me with the claim form I left with them. This makes each claim super easy. I'm always reimbursed quickly and without any problems. I'm so glad I started this insurance coverage for my dog when he was a puppy. It is reassuring to know I can take care of Rajah as he ages without astronomical vet bills.

Healthy Paws Pet Insurance has made my dog's health care stress free. Since I adopted her she has had cancer and kidney issues. These are very expensive treatments, but with the top notch care from Healthy Paws I don't have to worry about ensuring she gets the best care! They quickly process claims and reach out personally to see how my boxer is doing. And I'm happy to report that as a result of receiving the best medical care that is offered, she is loving life and enjoying every minute regardless if it's a hike, playing with her friends at day care, or cuddling on the couch.

We've had VPI insurance on both of our dogs for many years now. Up until later 2015 I was pretty happy with it. Our older dog has a heart condition and is on a significant amount of medications and has to see a cardiologist several times a year. The claims were submitted and overall I felt that we were being reimbursed fairly. After the switch the Narionwide, that has all changed. Suddenly we have now reached our annual maximum as of March?? The worst part is that when I received the paperwork in the mail with the new schedule and announcement of the name change, I called to ask if I still had the same amount of coverage as before. The rep assured me that my policy had not changed and if anything our coverage would be better than before. That was a blatant lie. Nationwide has gotten greedy and has absolutely ruined VPI. I'm going to cancel our policies immediately and plan to contact all of the VCA clinics to inform them of these horrible business practices. It was a VCA that initially gave us the brochure for VPI and they need to know that their patients are being screwed by this company. If you ask me there is a class action lawsuit coming their way. If anyone here is on Twitter, be sure to complain about @nationwidepet publicly. Social media is the best way to ruin the reputation of a big company these days & it's the only way they will listen. Can I give zero stars? That is what they deserve.

I have been so impressed and thrilled with the service Healthy Paws has provided us. With the Healthy Paws app, submitting a claim could not be easier and I am so impressed with how quickly all claims are processed. Our dog has had some stomach problems so we've had to submit a few claims and each claim is processed easily and promptly. Needless to say, we love our dog and hate seeing him get sick. The last thing you want to do when they are sick is stress about the cost and whether or not claims will be accepted. Healthy Paws' policies are totally clear and they are true to their word. My dog was sick just last week and the reimbursement check has already arrived! The fact that Healthy Paws makes the claims process so incredibly easy provides major relief during an otherwise very stressful time. If you are looking for pet insurance and want it to be as convenient and efficient as possible, Healthy Paws is your answer! Last thing...so far they have followed up every claim with a personal email asking how our dog is recovering. All these factors combined make you feel like this is a company who truly cares about your pet!

My dog Lily is a 7 year old very healthy dachshund. Then the unthinkable happened. She started having seizures. Not 1 but several in the span of a week. After seeing my vet she recommended a veterinary neurologist. Which we did see to see if Lily had a brain tumor. In order to check for that she would need an MRI and a spinal tap, with a price tag of between 3 to 5 thousand dollars. Knowing that Embrace had my back, or Lily's made my decision easier because I knew I would be covered. Fortunately, no brain tumor and seizures are under control for now. Thank you Embrace.

We rescued Phoebe at the end of December, 2015. She had lost a front leg in a terrible mauling, but appeared to be healthy otherwise. In February, we discovered a nodule that turned out to be a MAST cell tumor requiring surgical removal with wide margins. Later that month, she began vomiting and having diarrhea and we discovered she had marked inflammatory bowel disease. Healthy Paws was right there with us every step of the way. They are the third pet insurance company we have used and by far the best! Their claims process is so easy--I scan the bills and email them, no forms to fill out. They acknowledge receipt very quickly, send an explanation of benefits, and pay promptly. Their customer service staff are responsive and send warm and caring emails. Healthy Paws is terrific! They are instrumental in keeping Phoebe healthy and giving her the better life she deserves.