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Great coverage at 90% and even covers prescription food at 50%!

Very prompt review of claims and very courteous phone personnel. The only difficulty we have had is with fax submissions--for some reason when the veterinarian has submitteed claims by fax they either get lost or are not received. Therefore I have taken to mailing claims.

Very prompt review of claims and very courteous phone personnel. The only difficulty we have had is with fax submissions--for some reason when the veterinarian has submitteed claims by fax they either get lost or are not received. Therefore I have taken to mailing claims.

We are grateful that the ASPCA was willing to cover our pug as other companies had turned him down. It is good to know that he is covered in case of catastrophe!

I bought Embrace insurance because of the reviews from their customers. The feedback is postive about the insurance, the coverage and customer service. I felt really confident when I purchased the insurance, I found security that my dog would be okay no matter how small or large amount of medical care he needed. Unfortunately I neeeded a large amount of care within the first 5 months after my dog got ran over by a car. Leaving out tons a detail, my claim was first denied than approved. After a little go around, I felt the Embrace Rep. really did care about my dog receiving care. I spoke to several customer care and all where pretty polite even when I was falling apart crying on the phone about my dog's accident. Once the claim was approved I was relieved that my dog could be saved because I could afford to give him the medical care he needed. Without Embrace insurance, I would have no other choice but to put my dog down. Therefore I am thankful for the customer care rep. who worked with me through this hard time. Every since this accident happened, I tell everyone when I am in the vet( alot since the accident) about Embrace, even though the vet pushes another insurance. When I talk to other pet owners I ask them if they have pet insurance, and stress the importance of having them and how Embrace is an idea insurance. When giving my overall rating I would love to give a 10 but I have to be honest, the original denial of the claim was beyond stressful. Therefore I will have t

My pup was born with a condition that caused her to have urinary incontinence at a very early age. After numerous tests she required a surgery called COLPOSUSPENSION. After spending almost $7000.00 in vet care we submitted our forms to Trupanion to be reimbursed. They denied our claim for coverage. Why???? Because at the age of 10 weeks our puppy had a bladder infection. She had the bladder infection because the tube that runs from her bladder was mis-shaped like a funnel instead of it being a straight tube which is why she required the surgery. Trupanion said it was a pre-existing condition. Well of course it was pre existing you idiots....she was BORN with it!!! COMPLETE RIP OFF!!

We've had Healthy Paws for about 3.5 months and have submitted two claims. They've responded quickly, and have covered exactly what they said they'd cover. I've heard so many horror stories about pet insurance, but this company is a gem (so far). We have a high energy, but very sweet Doberman puppy (all 81 pounds of her), and this insurance gives us some sense of security. I love the yearly deductible, rather than the "per incident" deductible of many insurance companies. We have a $250 deductible and 90% coverage policy. It doesn't cover office visits or the charges for the office visit of a major claim. We've had three visits since buying the policy. The first visit for abrasions applied the prescription to the deductible. The second didn't apply, since it was only an office visit. We didn't even submit it. Our third visit was for a severe toe fracture. This one put us over the deductible. They use the actual vet charges to compute the claim. In less than a day, they processed the claim, and a check is in the mail. Submitting claims by email is very convenient, as well as fast! They respond (automatically) after submitting the claim. The next day they respond personally with the results of the claim. And, they express an attitude of care.

I appreciate the "Claims Embracers" emails and always being kept informed during the processing of the claim. I am very happy about that and very comfortable with the turn-around time of claims submitted.

Oh, indeed! In fine print they squish CANCER to an "incident" and apply a "cap" of $5,000 to very costly coverage at max $13,000, an $8,000 gap they must know WELL is totally inadequate and deliberately constructed.

My first experience with pet insurance has been with Embrace. I was very hesitant about signing up for it, thinking that it would be a waste of time and money. I assumed that any pet insurance company would say that they would cover something, but when it came down to it, they would find a loophole to not pay. Not Embrace. Our dog, who is only 3 years old, unexpectantly started having problems with her legs. Come to find out, she needed surgery on both of her knees. The Embrace staff could not have been nicer or more efficient. They helped us through the whole claims process and in the end, they paid everything that they said they would. I would recommend Embrace to anyone that would do anything for their pet. For myself, I would never be without pet insurance again bewcause I wqould do anything for my dog's health.