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Quick response to claims, very easy online claim tracking, usually receive a check within two weeks of submitting a claim. Overall, I've been very happy with Embrace.

Our dog had to have emergency surgery to remove a foreign object from his small intestines. He was so sick, and we didn't know he had eaten anything until after we took him to the vet and they performed x-rays. It was very scary hearing the risks from the vet, and then seeing the vet's estimate of costs didn't make it any better. We obviously love our pup, so we did the surgery. I hope no one ever has to go through this type of scary procedure with their dog. But if they do, I hope they have Healthy Paws. I submitted four hospital bills and they were all processed within 24 hours. Then our dog needed follow-up care after some post-surgery complications, and Healthy Paws processed those in less than 24 hours, no questions asked. A Healthy Paws rep even reached out to us to check on the status of our pup. There is just so much comfort we now have knowing that Healthy Paws cares and that we don't need to stress over potential medical expenses. Whenever I run into any other dog owner, I recommend Healthy Paws. We couldn't be any happier and we're so appreciative for Healthy Paws helping us through this situation.

ASPCA pet insurance works well for us. Claims are super easy and processed so quickly. We like being able to check the status and getting email updates. I can't imagine not having pet insurance! Great value!

I switched to ASPCA about a year ago. Normally coverage was marginal with my old insurer and the payment to premium ratio was close. ASPCA is faster and the payout ratio is much better. My dog is usually very healthy but this year we had a temporary problem and the cost was very high. ASPCA took the sting out of that.

We have insured two kitties with Embrace for over 5 years and unfortunately have had to file claims a few times for each one. The amazing thing is that Embrace has been there each time to ease the financial burden of an already emotionally stressful time. They have also shown great customer service and empathy when communicating with us by phone or email. They have the most streamlined claims submittal form and process we have ever experienced. Reimbursement for covered care has always been no more than two weeks whether the it is for hundreds or thousands of dollars. We are Embrace customers for life.

Whenever I call Embrace, I receive top notch customer service and prompt attention with the matter I am calling about.

Reimbursement for cat medical expenses has gotten better. Now dental is covered and the per-incident amount is more, which is helpful. The only thing I would improve is perhaps prescription food. I have chronic/on going care insurance for my older cat, and her medical is covered, but not the food she needs to be on, which is very important (kidney disease).

I was happy to get back $600+

I have ASPCA insurance for both of my Labrador Retrievers. Unfortunately, I have had to use the insurance for both animals for surgery and emergency care. ASPCA insurance has been phenomenal in all aspects including coverage, customer service and prompt payment. I would not recommend any other insurance carrier. Overall comment: simply the best!

I am not sure how long I have had this insurance but it has been since we got Bella. The policy has always been fair, always notified us of any changes, increases in premiums and it has been fair in payouts for claims. I am happy with this policy and intend to keep it. It has been especially gracious in payments during the current Cushions disease that Bella has had since Oct 2015 and I do appreciate that.