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We weren't sure what to expect from a pet insurance company since we had never even heard of pet insurance before we got Healthy Paws. After being insured for a almost a year now I have to say that we will always have all of our pets insured through Healthy Paws. There is no worse feeling than having to take cost into account when trying to decide the best medical course of action for your pet. Being able to tell the vet, "do whatever is best for the dog," without worrying about the money is a wonderful feeling. We pay around $35 dollars for each of our three dogs. Whether the we end up saving money in the long run or paying slightly more, I'm not sure. But we can easily make room in our budget for $100 dollars a month. Taking a 15 thousand dollar hit at one time from a vet bill, which we expect to happen at least once, would be detrimental to our finances. I cannot say enough good things about this company. They process claims within a day usually and we get the check within 2-3 days. We get emails from Healthy Paws asking about our boys after they have been sick. Do yourself a favor, if you know that you would pay any amount to save your dog, get the insurance.

My experience with Embrace has been SUPERIOR. They are the BEST provider for my sweet pups. They pay promptly, the claim processing is efficient, the customer service is outstanding. They have been outstanding processing multiple claims for my pup who suffers with severe hip dysplasia. I cannot stress enough how FABULOUS Embrace has been and I sleep much better knowing my guys are covered WITHOUT gimmicks with Embrace.

Due to problems with her ears, my cat, Betsy, who is 6 years old, is on prescription canned and dry food and so is my kitten, Jenni, who is almost one year old, since it wouldn't be easy to feed each of them a different diet (rabbit and peas.) Both of them are doing fine with the food....they both love it! I wish that the insurance would cover some of the cost of this prescription food as it is necessary for their health and well-being. I hope the ASPCA will reconsider at some point in the future. Also, I wish I had had this insurance for my beloved cat, Annie, who passed away last year.

I purchased Embrace last March for my English Bulldog puppy. We have never purchased pet insurance before, and researched many companies thoroughly online before deciding on Embrace. Their fair pricing, reimbursement based on cost rather than someone else's opinion of what is "reasonable and customary," and coverage of genetic conditions convinced us that Embrace would be the best choice. And after a rough first year for my Lola due to a bum knee and a fondness for eating bees she is allergic to, Embrace's prompt response to our claims has reinforced our decision. We will always choose Embrace and recommend to all!

I have tried other pet insurance companies in the past and I must say that Embrace is excellent. They kept me update and informed me promptly on the progress of my claim. I have peace of mind now knowing that if God forbid I have a big vet bill, I have a reliable, trustworthy insurance to help me through it. I highly recommend this insurance company to other pet lovers out there.

I am a professional police dog trainer and handler. Until I retired, my working dog company had over 40 dogs. We used VPI for several years on the recommendation of our vet. They were OK because we knew nothing better. Over time VPI started "nickel and diming" us over vet bills. SO I looked for another. The second company offered a better claims reimbursement, but there customer service was non-existent. Claims were SLOWWww. And they did not cover medications or physical therapy. I did some research on-line and found Healthy Paws. There 90% coverage plan for 2 dogs was $20 a month cheaper than the previous vet insurance company. Their plans cover everything we need. Claims service is amazingly fast. No quibbling over our vet bill. They just pay it—everything but the vet exam. On top of it all, one of my dogs had to have knee surgery (TPLO) recently. Someone at H-Paws sent me an email asking how Zoey was doing. How cool is that? H-Paws is impressive. I recommend it to all professional trainers and handlers, especially to police departments with K9 working dogs. Budgets are tight. They can save big bucks on their vet costs.

I have 5 cats ranging in ages from 16 years old to 2 years old. Problems seem to occur after office hours and I end up at our university vet hospital. They are very good but it is very expensive. It is an easier choice knowing I will be reimbursed for much of his or her care fairly quickly after the event. I would not want to withhold care because of the cost. That would be a horrible decision. They are my family.

Our Corgi, Amos, developed cancer and is undergoing chemotherapy. Embrace has been wonderful since he was diagnosed, letting us know when they received claims, processing claims quickly and accurately, responding immediately to questions via email or phone, checking with us to make sure everything is going smoothly. Without Embrace we would be unable to treat Amos and would be utterly heartbroken. We recommend Embrace to *all* our friends/family with pets.

Very happy with this service. The rates are reasonable, and I was even able to cover an older dog. The claim forms are easy, and the refunds are quick and into your account electronically. Would definitely use them again.

I've had the insurance for a couple of years and thankfully never needed to use it until recently. Both of my cats needed to be seen for illness and injury and I was very pleased to see how much of the claims were reimbursed. The process was easy and the reimbursements were quick and the explanations were very detailed. Thank you ASPCA!