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My cat has developed urinary crystals (FUS); thank goodness the coverage was there to help pay for the costs. After exams, urine tests, blood tests and xrays - he is now one expensive little furball. But even with all of this going on the claim process was simple and easy, and a weight was taken off my mind and my wallet.

Have had Embrace since 2006 & have never needed it until this past Aug when my 10.5 BC Keegan suddenly came up lame on his back right. Took him in & they thought psoas strain, followed their instructions & was better. Vet ok'd him for more activity & immed came up lame. To confirm it was a psoas injury went to one of the few vets in the country that diagnose it by ultrasound. Diagnosis severe moderate tears at insertion & orgin.Approved & paid that & the follow up ultrasounds every 4 weeks plus all my rehab visits with my local rehab vet, the exam fees, chiro, acupunture, treadmill sessions, etc. from Sept-Jan. Unfortunately during this we found a mass during the Jan ultrasound on that same back right near his femoral artery & it's B-cell lymphoma. Fortunatley, Embrace has been wonderful, they paying 80% of the $1700+ from all the ultrasounds, xrays, bloodwork & other tests. Starting chemo on Tues & am confident Embrace will be there to help with that too. Devastating news but so happy that thanks to Embrace I can afford to give him the best possible care. Cancer diagnosis & treatment is not cheap.

One of my cats is quite a scamp and ate some medication that could have killed him.After rushing him to the emergency room where they kept him in the CCU unit for two days I was greeted with a very large vet bill. When my cats were just 8 weeks old I enrolled in Trupanion and I could not be more happy. I received my reimbursement promptly and was relieved. Recently I entertained the thought of dropping my coverage and I am happy I did not.

I am really happy and surprised at the experience I have had with Trupanion. I thought that I would not get anything from the claim since I was past the time limit due to medical problems, but I filed the claim anyway. I was pleasantly surprised to see that they opened the claim and very quickly sent me a return. They even sent an email asking if my dog was doing well. Does your insurance company do that? I bet not! I couldn't be happier with Trupanion!

Took a little longer than expected.

I have had Ebrace for years for my dog, and recently have had multiple claims for illness and surgeries. Even though some of the claim outcomes were disappointing (periodontal/ tooth infections not covered as an illness apparently, and a supplement that was covered previously will no longer be covered),the claims and customer service staff were always very prompt and attentive, and always responded to my questions and provided explanations with courtesy and kindness. Overall, I am still happy with Embrace, and will continue to refer them as the best pet insurance available.

Very easy process. No hassles. Great product.

We first considered purchasing medical coverage for our new puppy almost a year ago. Initially, we thought the cost may not be a wise investment - and we were skeptical of any claims processes, should we actually need to utilize the coverage. We can now say with confidence, the decision to purchase coverage from Healthy Paws Pet Insurance is one we will not regret. Earlier this year our puppy had multiple episodes of gastritis/gastroenteritis - which resulted with loose bowels, vomiting, and subsequent treatment for dehydration. Due to the reoccurring nature of these incidents, we believed he may have ingested a foreign object that may have become an obstruction. Analysis of these issues required multiple trips to different veterinarians over the course of a couple months. Once claim forms and associated documentation was submitted to Healthy Paws for reimbursement, the thoughtful staff promptly processed the paperwork and provided clear and personal communication throughout the process. The claims process was straightforward – and offered several options (mail, fax, e-mail) for transmitting information. The ONLY improvement I could suggest/recommend for Healthy Paws is to allow larger file attachments (currently 5MB) for e-mailed claim form documentation. We will certainly continue our coverage - and will not hesitate to recommend the services of Healthy Paws Pet Insurance to our friends and family in the future.

Would not recommend this company to anyone. Continually asks for same information, over and over. Vet faxed information over 4 times. When Embrace could no longer deny they had the vet information, they then said they did not have copies of the claims. Claims miraculously appeared and then they came up with excuses not to cover the expenses. Claims took EIGHT MONTHS to handle.

My dog (labrador) recently injested a foreign object without us knowing. He became very ill one night and when we took hin to the vet it was determined he would need surgery. The item was already passed his abdomen and in his intestine which is a more serious surgery. My family and I had already undergone 2 previous surgeries w our dog but they were both events we had witnessed him eating somthing we felt he couldnt pass or throw up, so his surgery was in the belly and less critical. I say this because I wasnt even sure Healthy Paws would insure my dog because of his previous "accidents." The monthly cost is very reasonable as we compared many others. The claim form couldnt be any easier to fill out. We were fully reimbursed and the claim was reviewed in less than 10 days! I think this company is awesome!