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My silky terrier recently has had two fairly serious procedures, knee surgery and removal of a cyst. Both times embrace processed my claim quickly and covered the vet expenses as outlined in the insurance plan (80%). I highly recommend them to all pet owners who would spend whatever was necessary to heal their pet.

I went to have routine wellness care for my 4 yr old Pharaoh hound mix, Max, and after submitting my claim, Embrace got back to me within a few hours! They were great in communicating everything I needed and how the process worked. I feel as though I was treated like an actual person with a real pet, unlike most insurance companies where you are just a policy number to them. I appreciate their help and anticipate great service in the future!

After non stop vomiting, x-rays showed that my 5 month husky had swallowed a toy. Yes, a toy. Due to the size of the toy, we were not quite sure as to how he managed to swallow the object without choking. Anyhow, the vet informed us that this object would cause major harm/death if our puppy tried to pass the object through his intestinal track. So, without any other options our puppy needed surgery to remove this toy from his stomach. As if that were not hard enough on our family, the cost of the surgery was an additional issue. Thank God we had insurance. There were many pet insurance companies out there but after reading several customer reviews, I was sold on Healthy Paws. As an owner, you don't expect to have to actually use the insurance, especially for a puppy but Healthy Paws could not have made this transactions any easier. It was simple, all I was requested to do was to send in his medical history and the invoice for his surgery. It couldn't have been more than 72 hours before I received an email informing me that my puppies claim was in process. As a consumer you think, "Ok it cant be that easy. Let's see what excuses they try and come up with to deny my claim." Wow, was I wrong. Less than 5 days later I received another email notifying me that my claim was complete/approved and I would be receiving my 90% reimbursement for my out of pocket cost (I chose the 90% reimbursement with a $100 deductible. Shortly after, I received a check. That was it, yes that simple. This process took less than 2 weeks!! No doubt Healthy Paws is a AAA+++ company. Thanks again Healthy Paws!

This was the first direct billing that my Vet had done.The original estimate was between $1300.00 - $2000.00.It included a blood test to make sure that there would be no complications with our Morkie and the anesthetic.This was approved by Trupanion. The blood test showed a little bit of an elevation in regard to the liver.So the Dr.did a bile acid test to ensure there would be no complications during the PL surgery because of this.The bile acid test was not on the original estimate of procedures.We were charged $65.80 as a separate bill (or 2nd claim)with the understanding that if our dog has any problems with his liver $65.80 of our $300.00 deductible has already been paid.That is ridiculous!The vet took extra precautions to ensure that my dog would be alright during his PL operation.The high end total that was approved was $1841.43...the bill submitted with the $65.80 charge for the bile acid test was $1630.83.This was well within the approved perimeters and was associated with the PL problem in regard to the amount of anesthetic. Which may or may not of caused problems during the operation if the vet had not done his due diligence.REALLY! Now we have to remember for the next 12-15 years that we have a credit on our deductible...but only if it is a liver problem....if he ever even has this problem. Your policy needs a little leeway in some situations. If there had been complications it would of cost you more than $65.80! Client ID:15154 Invoice #:141026 Policy# TC0001569686

This was the first direct billing that my Vet had done.The original estimate was between $1300.00 - $2000.00.It included a blood test to make sure that there would be no complications with our Morkie and the anesthetic.This was approved by Trupanion. The blood test showed a little bit of an elevation in regard to the liver.So the Dr.did a bile acid test to ensure there would be no complications during the PL surgery because of this.The bile acid test was not on the original estimate of procedures.We were charged $65.80 as a separate bill (or 2nd claim)with the understanding that if our dog has any problems with his liver $65.80 of our $300.00 deductible has already been paid.That is ridiculous!The vet took extra precautions to ensure that my dog would be alright during his PL operation.The high end total that was approved was $1841.43...the bill submitted with the $65.80 charge for the bile acid test was $1630.83.This was well within the approved perimeters and was associated with the PL problem in regard to the amount of anesthetic. Which may or may not of caused problems during the operation if the vet had not done his due diligence.REALLY! Now we have to remember for the next 12-15 years that we have a credit on our deductible...but only if it is a liver problem....if he ever even has this problem. Your policy needs a little leeway in some situations. If there had been complications it would of cost you more than $65.80! Client ID:15154 Invoice #:141026 Policy# TC0001569686

Claim was very simple to submit. I didn't have to personally submit anything other than the invoice and simple claim form. They processed and approved claims very quickly, one on the same day, and I received reimbursement a few days later.

Claim was very simple to submit. I didn't have to personally submit anything other than the invoice and simple claim form. They processed and approved claims very quickly, one on the same day, and I received reimbursement a few days later.

Embrace has been fantastic. Our cat Willow died after a two-week sudden illness. There were ED visits, home visit, more ED visits, inpatient critical care stays.... it was really adding up. But I just couldn't give up without giving her a chance to respond to treatment. But she just was too sick to come back to us. I was maxing out the credit cards, but I knew I'd get some back once Embrace started processing the claims. After she died, the claim process was easy and efficient. No additional emotional trauma fighting with carriers for coverage. About a week after submission, the checks began to come in the mail. The credits cards are looking better and better. Also, a week after Willow died, a client of my husband's told him that based on our recommendation, she insured her cats with Embrace and had an expensive hospitalization that was covered. My husband got a big tip from her. So, basically, thanks Embrace. I'd give back all the money for one more day with Willow. But you made one of the worst months of my life a little bit better.

We took our puppy in on a Friday Eve and we submitted our claim that evening. It was approved by the morning and we were able to receive his treatments. It was so fast and hassle free.

We took our puppy in on a Friday Eve and we submitted our claim that evening. It was approved by the morning and we were able to receive his treatments. It was so fast and hassle free.