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Our ten month old golden retriever decided to eat a bone whole. The claims process was easy and timely. They even went as far as to contact our vet for us to request the necessary documentation to expedite the process. I highly recommend this service to all pet owners.

If your claim gets denied in general, not only pet insurance, other products from stores to online purchases,ask to speak with a supervisor or a manager. In my case our dog Sandy fell and tore her ACL. I spoke with Darcy a great supervisor and with my persistence my claim was settled,I am talking couple thousand dollars. Embrace with the help of Darcy i give them an A+ and i got 3 friends to join Embrace. Thank You so much Darcy..

My experience with Embrace has been very professional and the clarity of their claims are remarkable. I have filed 2 claims for my Rottweiler that have been addressed promptly. I am very glad I have pet insurance for peace of mind and Embrace made that happened.

I have had VPI for a few years, but recently had an experience that made me an even more satisfied customer. The reimbursement rates have always been just fine in Montana, where veterinary care is less expensive. But in July I took one of my Bernese Mountain Dogs all the way to VOSM in Maryland for a TPLO performed by a surgeon I knew was top notch (Dr. Sherman Canapp). It was not cheap -- about $4500 when it was all said and done. I was worried about how much would be reimbursed and was hoping for half -- I was amazed when VPI reimbursed almost 80% of the costs. There were no issues getting paid -- I sent in the required documents and had a check in less than a month. I cannot say enough good things about VPI. I have all five of my Bernese Mountain Dogs covered!

I took my cat Socrates to the vet for his regular check-up and a nail trim. He is so uncooperative that he has to be sedated for the nail trim (he's a big boy, 19 lbs and stronger than me!) He also had periodic blood work done and I turned in a claim for the Wellness side of my Embrace policy on Saturday. I was notified that the entire $142 was covered and that the claim was complete. I'm just waiting for the $142 to show up in my bank account. It doesn't get any better than that!

I am glad to say that you finally have my email address correct so that you don't have to send them to my phone. Please do not send them to my phone...ONLY to my email which is heyjude12541@aol.com. However I still cannot get in with my user name which is: Judy Gustafson and the error message keep coming up even now after speaking with your representatives several times on Tues. Nov 6, 2015. I was so upset yesterday...sorry. I will see when my check comes, how happy I am. Thank you, JUDY GUSTAFSON/Judy Gustafson

We had VPI before and they were terrible. Since coverage began with Healthy Paws they have been amazing. It is incredibly easy to submit a claim, fast response time when asked a question and next thing you know you have a check in the mail. This is something any insurance company should strive for. So far very happy. Healthy Paws seems to care about your pet, something that can not be said for most other insurance companies.

The underwriter on this claim closed the claim out without asking for an itemized bill so she could pay the correct amount. I contacted her because I knew it should be covered and she said she did not have an itemized bill so she closed the claim without ever co tacking mee. I asked to speak to a superviser and she said she gave my name to the superviser. I have never been contacted. I have a policy with five dogs. I would think someone would take care of this. I am looking for a new insurer.

We started with a $50 policy, no deductible. Six years later with only 2 small claims...my rate is $117 a month. I live in Calgary Alberta, when we moved from the SE quadrant of the city to the SW quadrant, they told me there were different rates for my new address (slightly better neighborhood), and they immediately upped my monthly rate by just over $20 each month. That is crazy. Bank the money each month and then it will be there when you need it. I estimate that I would have over $5000 in that account if I needed it.

Signing up for Healthy Paws insurance is by far one of the best decisions I’ve ever made. They have been the most amazing, reliable company. I can’t speak highly enough of them for the confidence and the peace of mind they give me. I have submitted huge claim after claim because my dog has had some serious health issues from the very beginning and they are alway responsive and provide the exact service they advertise. I get 90% of all my claims after my $250 annual deductible, every single time. Banjo has had a plethora of health issues since I brought him home. He was born with luxating patella stage 3 in both back legs, and had to have surgery only a couple months after I brought him home. Then when he was about 1 the vet thought it was a bowel obstruction and he had another surgery, but it turned out he did not have an obstruction but rather his intestines had swollen almost shut from food allergies. About a month ago (he’s not even 2 yet) he started limping again, had x-rays and turned out he had torn all the ligaments in his knee and had to have yet another surgery on his leg. Healthy Paws has taken care of us through every single obstacle. He’s the happiest most loving dog, despite all the health problems he has had and I get to provide him with the health care he needs to have a full and complete life thanks to Healthy Paws.