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Embrace gives great coverage for a great price, and customer service is wonderful. They have been very slow on processing claims which has been somewhat frustrating. They apparently got new software back in the Spring but delays are still happening. Other than that, no complaints!

I have no complaints other than the time it takes to get the claim reviewed, but i think that is to be expected in the any kind of claims review.

At the outset, I was a little wary about having to basically invest $1k/year on my dog in deductible and insurance cost. However, I'm really glad I did! Embrace has paid all the claims I've filed over the deductible amount. The only complaint I have is that this takes a few weeks. I do love that it comes straight into my bank account, though!

I was very impressed with the ease of filing a claim. My vet's office did all the paperwork and very soon thereafter I received my check. I would definitely recommend Embrace to anyone.

Cannot say anything but great about Embrace's quick reimbursement for my both of my dogs' neutering bills. I am very happy with the Wellnes program!!!

I read reviews and did research on several companies before deciding on Embrace. They have an easy claims submission procedure. They were fast in sending the checks and documentation is easy to follow. I HIGHLY recommend this company. I only my personal medical insurance were this straight forward!

3 months after I enrolled in Healthy Paws, our beloved puppy Goober got hit by a car and badly fractured his front leg. The vet recommended surgery since the fracture was bad enough that without it the leg would not heal correctly. We were told the only reason not to get the surgery would be if we cannot afford it and without Healthy Paws, we definitely could not have. I was expecting the insurance process to be painful, but Healthy Paws reimbursed us for 90% of the costs and we only had to fax over some documents. The process was easy, fast, and very reliable. Recently, I received an email from Healthy Paws asking if I need a replacement for a check that was issued to us in May that we had never cashed (we misplaced it while moving this summer!). This, in my opinion, is as stellar as customer service gets. Healthy Paws definitely went above and beyond our expectations. Not only are their helpful and reliable, but they are also friendly, which is much appreciated!

Easy to file a claim! Call center is very helpful . Processe was very expeedent .

I had no idea this product did not offer continuing coverage for chronic conditions treated in the prior policy year. It was not discussed at the time of purchase and I only found out after I had cancelled my cats from Pets Best and signed up for ASPCA. This is just beyond the pale of business ethics. My cats had coverage (but no chronic conditions) under Pets Best but I was dissatisfied with Pets Best per incident deductible policy so switched to ASPCA. Now my cats with chronic conditions treated in 2012 will have preexisting conditions for other pet insurance policies. DO NOT PURCHASE ASPCA if YOUR PET IS NOT QUALIFIED FOR CONTINUING CARE POLICY. And ask if that policy expires at a certain age. The rep I just spoke to was so rude in telling me this was in my policy issued in 2011 (after I cancelled my Pets Best insurance) - like that helped after I had no option at that point. VERY DECEIVING business PRACTICE.

In August 2011 my dog Torsten blew out his hind knee. I got a quote from vet, sent it to Embrace - they immediately authorized the surgery and immediately reimbursed me for the claim - almost $3,000.In August 2012 Torsten blew out this other hind knee. Again I got a quote, got authorization, and Embrace has taken a bit longer to pay (they implemented a new system) and will be paying me over $2,000. Now, they are reviewing a claim for Stem Cell procedure. I can't even believe they offer this ! I would have to put my dog down if they had not paid for these procedures. A Human always answers the phone, they know my pet's name, and they are AMAZING. I have gotten some of their brochures to place in many offices and pet stores - that is how much I think of them. The other insurance companies are Not Even Close. Use Embrace, tell your friends. I actually had this health insurance on my dog and did not have personal health insurance. Good Thing! Best wishes for all those out there. Pls Spay and Neuter and Adopt :-)