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Courteous customer service, compassionate approach, prompt claims handling with integrity.

First of all, pet insurance is amazingly useful in general. I dislike the idea of waiting for a bad thing to happen and then just hoping that somehow I will be able to raise enough money via crowdsourcing to take care of a beloved family member. So #1 is get pet insurance; don't gamble with your pets life. #2 is, since you're going to get pet insurance, get Healthy Paws. Here's my experience with them: You would think a lab-bulldog-staffie-boston terrier mutt would be free of hereditary conditions, wouldn't you? Not my Lilybug. She's just exceptional like that, I guess. She was born with both femurs curved to the point that her kneecaps don't track properly. Doesn't sound like a big deal? Well it kind of is. Long story short--She needed BOTH femurs cut, rotated, and screwed into plates, BOTH knee ligaments cut and re-pinned, BOTH knee grooves deepened, and since we got her treatment so early we managed to fix a partially torn ACL before it fully tore apart (can you imagine the pain if that had happened?!) and realized that her shin bone ALSO needed to be cut, rotated, and screwed into plates. Altogether we have one very sore puppy, and almost $20k in vet bills. I don't even make that much in a year, as a grad student. Because of healthy paws we: 1. Could manage to pay for almost $20k in vet bills that otherwise would have put us in debt. 2. Were a lot faster about going to the vet & surgeon, since we knew we'd most likely be able to afford the care (since we only have to cover 20%). This saved us and our pup from a LOT of pain, since it meant we caught a partially torn ACL before it completely tore. 3. We were reimbursed so quickly that we were reimbursed for the first surgery before the second one took place, and didn't even need to take out a loan to cover the upfront costs. (We did it in stages, so that she could still be a tri-pod at any point in time.) Every time we've submitted a claim, they assess it within a day or two and the check gets to me a week later (Except the one time it got lost in the mail. And they were ready to reissue it in a heartbeat.) On top of that, the people at healthy paws are so friendly. I've had to contact their customer service a couple times, and every time they handled my issue efficiently and very pleasantly. I was never passed around, or talked down to, or put on ridiculously long holds. They didn't make excuses, they just found solutions. Someone from healthy paws even rea

For just under $30 per month I get the piece of mind knowing that my husband & I can get generous compensation for any medical emergencies that might come up. With my cat, she is living with mild renal failure and our first appointment to diagnose that cost a lot of money. With ASPCA, we got about 80% of that back. We would have gotten more, but our vet charges a little bit over ASPCA's accepted charges. But it's better than nothing and is worth the peace of mind.

I would remommend Embrace to anyone with a new puppy. I had an English Bulldog names Thor and he sadly passed away at 1 years old. The company refunded my reaming balance I had paid for the insurance and they covered $8000 worth of vet bills.

My nearly 2 year old Golden doodle cut her paw badly. She required many stitches and a month to recover. I've never made a claim before on pet insurance and I'm happy to report that I was reimbursed promptly and without incidence.

My nearly 2 year old Golden doodle cut her paw badly. She required many stitches and a month to recover. I've never made a claim before on pet insurance and I'm happy to report that I was reimbursed promptly and without incidence.

My 6 year old German Shepherd had an ACL injury and Embrace was fast to get the Pre-certification done and I had reimbursement within 2 weeks. If you are looking for a legit Pet Insurance company, Embrace should be at the top of your list.

My one year old cat needed stitches after knocking down a fishbowl. This meant anesthesia, stitches, antibiotics and pain medication. Unfortunately, his wound opened up after the stitches were removed and he had to go to an urgent care vet. The urgent care vet repeated all of the above but was VERY expensive! The most important thing is that kitty is now doing great. The folks at Healthy Paws were great- execllent customer service, answered all of my questions, and paid my claims in less than a week.

I'm really happy I went with Healthy Paws. The representatives are kind, the response time for claims is fast, and the premium was very good for the amount of coverage. I recommend them to my friends.

Our puppy broke his leg and unfortunately had to go through a major surgery which costs about $6000. Thanks to trupanion, we got 90% of the cost back whitin two weeks. Great customer service and fantastic coverage. Strongly recommended :-)