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For pet lovers who really desire best health coverage for their pets - Healthy Paws is the one! Our golden retriever Mojo has had a Healthy Paws policy for 18 months. Three important take-aways during this time which endear us to Healthy Paws:1. Reasonable, low cost monthly premiums which provide good coverage. We chose a $250 annual deductible with 90% reimbursable and our premium is $34/ month. 2. Reasonable increases to premium upon policy anniversary. Some background - first insurance company (ugh, Trupanion, separate review) which covered Mojo notified us 11 months into policy that premiums would almost triple at first anniversary. Adios Trupanion. Fast forward - eleven months with Healthy Paws we were notified premiums would increase $3 - reasonable. 3. In first year with Healthy Paws, Mojo had lacerated paw with hospitalization expenses of about $1,300. Healthy Paws not only processed reimbursement in 24 hours but followed up with Emails to ensure receipt and Mojo's recovery. Mojo and I highly recommend insuring your pets with Healthy Paws!

Our 4 1/2 month old puppy was viciously attacked by a bullmastiff easily 10 times her size. Her injuries were beyond the wildest imagination -- her skin was peeled off her body from shoulders to hips, almost like when you peel tight socks or stockings off and they turn inside out. The term for this is "degloving." The sheriff's deputy that retrieved "Frankie" did not think she would live. Wonderful neighbors took us to a locally renowned pet hospital that I wouldn't have considered because it was farther away than the local vet clinics, but they assured me that it was worth the time and the extra cost to go there. The doctors spent two or more hours repairing the damage, but three days later, they advised me that a large patch of skin was dying because the attack destroyed the blood supply to the area, and she would require surgery and a greater level of care than they felt capable of providing. We transferred Frankie to a veterinary specialty and emergency center where she underwent several more hours of surgery to remove dead skin and underlying infected fatty tissue. Frankie remained hospitalized for 10 days, as she required daily bandage changes under sedation for three open wounds where there was insufficient skin to close them. When sedation no longer was necessary, we took her home, but had to return every other day for bandage changes until the doctor felt it was possible to suture closed the open wounds. All of this care took a month and an incredible e

I switched our dog's insurance from VPI to Trupanion a little over a year ago. How I WISH I had done it sooner!!! Trupanion is truly a JOY to work with. They process claims immediately and there is absolutely NO question as to what they cover, check arriving quickly in the mail. And, our premium just went DOWN from its original price. You can't get better than that. If you are going to buy pet health insurance, which I HIGHLY recommend, Trupanion is THE ONLY one that's worth it in the marketplace.

I switched our dog's insurance from VPI to Trupanion a little over a year ago. How I WISH I had done it sooner!!! Trupanion is truly a JOY to work with. They process claims immediately and there is absolutely NO question as to what they cover, check arriving quickly in the mail. And, our premium just went DOWN from its original price. You can't get better than that. If you are going to buy pet health insurance, which I HIGHLY recommend, Trupanion is THE ONLY one that's worth it in the marketplace.

I wish there were a health insurance policy for people as good as this one is for pets. No unintelligible explanations of the payments -- just a straight percentage of what the vet bills. No drowning in paperwork -- just one easy page and the vet's invoice. No fighting for fair treatment. No long waits. And follow-ups -- Embrace actually seems to care about how well they're doing. I recommend Embrace to every pet lover.

With three Golden Retrievers, wellness pet insurance is a must. Embrace Wellness Reward Claims were processed very quickly and the checks arrived almost immediately. In addition, follow-ups by email throughout the claim process were a very nice touch. Clearly the goal of the company is a long term and helpful relationship. Thanks!

Wow! What a great company and what a change from the insurance we had before. We have 3 Afghan Hounds currently and have had 9 of them over the years, so we are used to the expense of owning dogs. But over the last 2 years we have had a lot of very expensive medical bills for our 2 older dogs including the removal of a 7 pound tumor; pneumonia and Pancreatitis. it was during this time that we found that our insurance coverage with VPI, which we had for years, wasn't worth a darn. They covered very little of the expense and were not very nice to deal with at all. We got an Afghan puppy last May and signed him up with VPI as we had done for all of our other dogs. But when our oldest dog got pneumonia and VPI covered very little of it ( no coverage for Oxygen...are you kidding me! ) we decided to look for a better company for the puppy. We decided on Trupanion and mistakenly waited until the one year contract with VPI was up before signing up with them. We have since then learned that we could have signed with Trupanion right away and they would have covered whatever VPI did not. So we started showing the puppy as soon as he turned 6 months and he has been doing great but after the show in Long Beach a few weeks ago he started choking and we took him to a Vet only to find that he has a very rare condition called Chylothorax which is very serious and in fact usually fatal if not treated immediately. In his case about 1 1/2 liters of Chyle got into his chest cavity causing o

Wow! What a great company and what a change from the insurance we had before. We have 3 Afghan Hounds currently and have had 9 of them over the years, so we are used to the expense of owning dogs. But over the last 2 years we have had a lot of very expensive medical bills for our 2 older dogs including the removal of a 7 pound tumor; pneumonia and Pancreatitis. it was during this time that we found that our insurance coverage with VPI, which we had for years, wasn't worth a darn. They covered very little of the expense and were not very nice to deal with at all. We got an Afghan puppy last May and signed him up with VPI as we had done for all of our other dogs. But when our oldest dog got pneumonia and VPI covered very little of it ( no coverage for Oxygen...are you kidding me! ) we decided to look for a better company for the puppy. We decided on Trupanion and mistakenly waited until the one year contract with VPI was up before signing up with them. We have since then learned that we could have signed with Trupanion right away and they would have covered whatever VPI did not. So we started showing the puppy as soon as he turned 6 months and he has been doing great but after the show in Long Beach a few weeks ago he started choking and we took him to a Vet only to find that he has a very rare condition called Chylothorax which is very serious and in fact usually fatal if not treated immediately. In his case about 1 1/2 liters of Chyle got into his chest cavity causing o

Embrace tried to tell me that I did not have a valid claim on my dog going to the vet for an upset stomach. They said because my dog had notes of vomiting on prior vet records, that "vomiting" was a "pre-existing condition" and thus, could not be covered for a period of 12 months!!! First of all, vomiting is a SYMPTOM, not a CONDITION. And my dog, as per all my vet documents, was never diagnosed with a "pre-existing condition" of any kind!!!! THIS IS HIGHWAY ROBBERY - TOTAL BS! I will tell every pet owner NEVER to get Embrace!!! I told my vet about their response to my claim for a $63 vet bill for his upset stomach, and my vet pulled all of the brochures from his office. HORRIBLE, AWFUL, DISGRACEFUL.

Claims are easy to file and are quickly handled. Payment is very fast. My questions were answered right away. I would recommend Embrace to anyone.