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I got Healthy Paws pet insurance when I adopted my retired racing Greyhound, Tucker, in July 2012. Two months later, Tucker started having trouble with his right front leg. He has since been to the vet twice, getting blood work done and x-rays. Anybody who has had these services conducted for a dog knows how expensive they are! I was pleasantly surprised to find that submitting the claims was simple, they were processed in a very timely manner with clear explanation of benefits, and we received a check for our reimbursement within 3 days of receiving the services after we met our deductible. We did not have to jump through any hoops! I wish my own health insurance was this good! The premium is also quite reasonable.

I have had embrace for several years. My claims used to be handled within a few weeks. Now it takes almost 2 months! I'm happy with the coverage and the people are nice. I just wish it didn't take so long to to get paid.

As new dog owners and first time pet insurance purchasers we approached this with a bit of skepticism, despite a positive recommendation from our neighbor. So far Embrace has been great to work with and paid all claims as expected. That's exactly what we wanted from an insurance company. Thanks.

I have had Embrace Pet Insurance for my Service Dog for the last three years (since I got my Service Dog). I am so happy that I have never had to utilize its services for anything more series than a skin infection. I utilize the well patient benefits of keepy Wyatt up on his shots and monthly flea and heartworm preventatives. I am so glad that if something major arrises that I will have the benefits available to help.

My basset hound Duke suddenly was acting like he didn't feel well and was in pain, pacing and restlessness. My first thought was bloat so I gave him a gas-x. He seemed to feel some better and lay down but later during the night he was acting in pain again. The next day I took him to the vet. His stomach was so tight the vet couldn't even feel his organs for an exam. He had an xray and bloodwork; the xray came back okay but the bloodwork showed pancreatitus. Duke was put on pain meds and sent home with orders for me to watch him. He was very quiet and I could tell he didn't feel well when he wasn't stealing anything (the boy is a thief). But a couple days later, Duke was feeling much better and back to stealing things and playing with his sister Gracie. I submitted a claim for reimbursement. This was the first; I've only had Duke since December. The vet gave me his records and the only trouble I had was sending the 36 pages but when I called Healthy Paws, I got great advice on how to do it and they even were going to hold on the line while I sent it to make sure it went through but my phone hung up on me. I did it on my own as instructed and received an email the next morning that it was received and it would take up to 10 days but by the time I got home from work and checked my email there was another email that my claim had been processed. I was given a detail of what was covered and the amount I would receive. Within 3 days I received my check. And then to my

Our Boston Terrier puppy got sick a few weeks after we enrolled and the staff at Healthy Paws made filing our first claim an easy and reassuring experience. Not only was our puppy's care covered just as expected, without any sneaky stuff, but the communication we got during the process and after the claim was processed was thorough, easy to understand, and downright friendly. Our claim was processed within a couple days, and the whole experience couldn't have gone better... well, maybe if the puppy hadn't gotten sick in the first place :) I never expected to be extolling the virtues of an insurance company, but as long as HP continues to provide this kind of service to me, I will continue to recommend them to friends and family.

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!

ASPCA insurance has not only denied my legitiment claims but a friend's claim as well. They deny claims hoping you will not fight them. I knew I was in the right and I had to go as far as getting the surgeon and my vet to write letters. Both doctors were furious and appalled. The people on the phone don't know enough to be credible, they clearly were trained to keep money in the system but not educated enough to defend reasons for denying the claim. It was infuriating. In the end I did not back down and The claim went through. However when I got the check it was such a small percentage of the vet bill I was livid. I also was finished. I left and went with Pets Best where I have not had a single problem so far. ASPCA should be ashamed to be affiliated with the hartford group. My doctors were so disgusted they pulled the pamphlets from their lobbys. I will get my friends to write a review, their story is even worse.

After a year on the ASPCA insurance, I received a letter out of the blue (no prior claims) saying the insurance was terminated as of a certain date (about 60 days). Thinking I'd better find out if my dog was ok, I took him in for a physical even though it had been less than 6 months after his last checkup. As it turned out, he had an impacted tooth which had to come out. While in surgery, they discovered another impacted tooth and they removed that one also. ASPCA refused to pay one cent of the bill saying it was a pre-existing condition. There was no sign the teeth were impacted as of his previous exam. All in all, a bad insurance experience. I'd look for another company.

We always get VERY quick replies from their customer service team. I sent my claim in last Monday and had a check on Friday. They always check in to see how your pet is feeling within a couple of days which I think is very nice. Very friendly, speedy service! No complaints here!