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I like everything about Embrace except one thing, choose a plan you will stick with forever, because if you don't and you want to change the % coverage or $ deductible, the entire plan you have would consider existing conditions if you had claimed anything. Otherwise, everything is great. Service is prompt, I email all my claims via email and it's direct deposited into my bank account within a week. They review claims in about 5 business days.

I simply cannot say enough good things about this company. I have never had pet insurance before, but when I adopted my beautiful little dog, something in the back of my mind said to get it. I researched companies, not liking the one the adoption people "recommended", and found Healthy Paws. I couldn't really believe it would work the way they said, but it DOES!!! I am a physician, myself, and know all the tricks most insurance companies play to avoid paying a claim. NONE of these were true of Healthy Paws. I was in an absolute panic when my little dog began limping, and when I was told she had to have surgery, I almost collapsed. Finances were the last thing I could think about! But, reality set in and I reluctantly filed the claim. I honestly expected it to be denied for one reason or another. Imagine my surprise when they not only approved it - within DAYS!!! - but wrote the check the same week! And, they are even going to help pay for her rehab! Every step of they way, they have sent encouraging messages, followed her progress, even cheering us along with her weight loss - badly needed for her full recovery. Their policy of considering the office visit and routine care as the owner's responsibility is COMPLETELY reasonable. And, the choice of deductibles and percentage of costs covered allows ME to chose my level of risk. I wish human health insurance could be this easy. If Healthy Paws ever decides to offer human insurance, I will be first in line to sign up!

Signed up four years ago with Healthy Paws. Never imagined that my dog would have an ACL tear costing over $2000. Healthy Paws processed my claim and sent me a check within 24 hours. Cannot say enough about the wonderful customer service and how much they actually care about my pet! Would recommed this insurance to anyone!

Very happy with service. Took a great deal of stress out of a very stressful situation.

Very happy with service. Took a great deal of stress out of a very stressful situation.

I am a first time dog owner. I am generally too lazy to get on and submit reviews for anything. I am usually not overly impressed by companies. But I really am happy to be able to help anyone else looking for pet insurance since we've had such an awesome experience with Healthy Paws Pet Insurance. A little info - our dog, Bella, is currently (December 2014) about 2 and a half. We first got insurance for her when she was about 10 months old. A friend of mine had a dog that ate a small toy and required a $1,200 surgery. It got me concerned enough about the cost of care for Bella that I pursued getting insurance for her. While others advised me against it, I decided to get pet insurance because I didn't want to have to choose between good care and the financial issues surrounding illness. First, let me say that I researched a ton. I took into account reviews, deductibles, co-pays, other out of pocket expenses, covered services, etc. I looked at all the major insurance providers. While there may be other viable options out there, I chose Healthy Paws. Second, I am very glad I not only chose to get insurance for Bella, I feel fortunate that we chose such a great company in Healthy Paws. Why? Well, about 5 months ago Bella completely ruptured her ACL in one leg and tore the ACL in her other leg. I can't even imagine what it would have been like to choose between getting Bella walking again versus the expense of two major surgeries. While I hope you and your pet never have to go through what's required to fix ACLs, if you do, having Healthy Paws with you along the way will make it better. Third, here's why I unquestionable recommend Healthy Paws (and talk about them to anyone I can). 1. They were fair and upfront with what they cover (illnesses, accidents) and what they don't cover (exams, pre-existing conditions). When Bella first was injured, we talked with Healthy Paws about the kind of care she was going to need and what would be covered. This is the part I dreaded because this would be the time when I really figured out if Healthy Paws was who they said they were. They were. 2. Their Customer Service really is excellent. By "excellent" - I mean that they always either answered my calls or they returned my call very quickly. They also communicated with me what I could expect and what I should do to ensure that my claims were handled properly. They also really care about Bella - when is the last time an insurance company has

I have a 14-month-old bulldog who has had a bunch of small issues--UTI, some skin issues, an emergency allergic reaction (relatively minor, thankfully, though scary). Embrace was super easy--I had multiple claims, submitted from 2 providers, and everything was received, evaluated, and paid out in less than 3 weeks. Their customer service is prompt and thorough, and the direct deposit to my checking account makes reimbursements even more convenient.

I am so lucky to have found Healthy Paws Insurance. The service and follow through are amazing! My dog just had knee surgery due to an injury and the bill was $4,000. I had a $100 deductible and my plan pays 90%. I was reimbursed within a week for $3,500. My dog is on the mend, and I am not burdened by a financial catastrophe. My friend said to get pet insurance because she didn't and she regretted it. I researched all the different insurances on the market and Healthy Paws is the most straight forward plan and best coverage for the unexpected. I wholeheartedly endorse Healthy Paws!

Our Mabel suddenly started having severe grand mall seizures. The diagnosis was meningitis and the prognosis was scary. The treatment includes high doses of prednisone that makes her ravenous. She began to regain stability and mobility which is great but it meant she ate a sock before anyone realized it. So now we are dealing with neurological issues as well as major surgery. Healthy Paws has been absolutely amazing through the drama. Our claims have all been processed within days of submission. The new claims submission process is even easier than before. I am able to submit them from my iPhone app. I recommend Healthy Paws to all my friends!

I can't say enough good things about Embrace: fantastic, responsive customer service; quick processing and payment of claims, easy to reach by phone and online. It's a real pleasure to be an Embrace customer.