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We've had Embrace for over 10 years for all of our dogs - as soon as we could. They have been instrumental in allowing us to cover some really expensive procedures that each of the dogs needed to return to health. I advised my daughter to get Embrace when she adopted her puppy - and shortly after her coverage began, her puppy swallowed a sock and needed emergency surgery - Embrace was a life-saver for her as well as for us over the years.

I love Healthy Paws! After my elderly dog passed away a few years ago, I promised myself that I would get pet insurance for any future pets (I didn't have it for my dog & I regretted that). When I adopted my two cats at 12 weeks, I got quotes from every pet insurer I could find. I found Healthy Paws to be the best value--the coverage I was looking for at the best price backed by a name I trusted (Chubb companies). I have been really pleased with my decision ever since & especially this year when my 2-year-old boy cat developed urinary issues & then blockages. It was determined that he needed the PU surgery. It was such stress reliever knowing that the cost would be covered by my plan. And while my vet's office wouldn't accept direct pay from Healthy Paws, I knew that once I submitted my claim for reimbursement, I would have the money in my account within just a few days. Even with a couple of complications post-surgery, I never had to worry about a complicated or drawn-out claims process. In fact, my last claim was submitted on a Saturday & the money was in my account by Tuesday. Just amazing! And on top of that, they sent me an email asking how my cat was doing, which I appreciated so much. I'm really happy that I chose Healthy Paws & I cannot recommend them enough.

For most dogs, Embrace insurance is only worth getting when your puppy is weeks old. "Chronic" and "pre-existing" conditions are only covered if there are not any, ANY, previously documented vet visits before you first purchase the policy. Additionally, and again with most dogs, with such high annual deductibles you're better off putting away $50 a month for your pet for emergencies and letting that savings grow each month. Otherwise, customer service is prompt and courteous and submitting claims is easy.

I found this insurance company 11 years go a d still with them and peace of mind to me and my pet. You just have to send the bill and wait. I can recommend for any one and the Best pet insurance company I ever find.

We have had Trupanion for 11 years for our two standard poodles. They are a wonderful, caring compassionate company. We have unfortunately had several issues with our dogs and so thankful we have Trupanion, one less stress. I file my claims on line and get an instant response that they are reviewing it. The turn around time for conclusion is usually in a day or two. The few times I have had to call them their staff has been so helpful and understanding. I have recommended them to everyone I know.

I highly recommend Healthy Paws! I didn’t sign up until my dog was about 3 and wish I had from puppyhood. They were always fast with their reimbursements, especially when I opted for direct deposits after uploading the vet bills. When my girl finally lost her battle with mast cell cancer, they sent a very nice note and followed up soon afterwards. I’ll be reaching back out to Healthy Paws when I’m ready to get another best friend!

worthless, takes weeks to get any kind of response from the company, the claim will take forever, if they deny it for the wrong reasons itll take weeks more. terrible, please don't waste your time here

I submitted 4 or 5 for over $500 claims for my dogs on going staph infection. Initially denied, and then the appeal was denied based on skin allergies/skin issues. Even with the vets notes that these were not due to allergies or normal skin allergies.

I never had to worry about an invoice or any unforsern problems. They are respectful compassionate and fast in dealing with Sonny's cancer treatment.

We’ve had problems. Many claims are denied or considered incomplete. When we call we never get an answer or if we leave a message we don’t get a callback. I’m SO unhappy with this company.