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why do I have pet insurance, if they only cover the initial visit but not the follow-up? Thank you for covering the first visit even though the second visit was not covered.

I cannot express how impressed I am with the service provided by Healthy Paws.My sweet kitty, Pepper, broke her hind left leg (tibial fracture. We don't exactly know how (she is indoor only). We've had to make over 5 trips to the vet in less than 3 weeks. She also had to be taken to the emergency vet twice during this time. Although not all of my claims have been sent to Healthy Paws yet, I did receive a check today from them for the first few visits. The experience was surprisingly hassle-free. Since this was our first claim ever, we needed to submit all of Pepper's vet records to them. Once they had everything we needed, our claim was processed within a day, and I received the check in another two! I spoke to one of their customer service reps a couple times, and she was always helpful. I also received an email asking me how Pepper was doing. The entire experience left me feeling like they really cared, much unlike the 'evil insurance company' image I had in mind. :)

My 3 year old dog Scooby had a black growth on her gums on her lower jaw which was covering up 3 of her teeth. I took her to my vet who told me that the growth looked like a condition called Epilus which has three types. 2 are benign and 1 is precancerous which usually invades and degenerates the jaw bone. Our first course of action was to surgically remove the growth, send it in for pathology and take an X-ray of her jaw. This procedure cost us 986.68. We submitted our claim to Healthy Paws the same day as the surgery and immediately got an e-mail requesting the records from our veterinarian. it took them a few days to get Healthy paws the records but once they received them they processed our claim within a few days and sent out a check reimbursing us the following day paying 90% of her surgery. We have a $100 a year deductible which was applied to this claim so we received a check for $712.03. Unfortunately our story does not end there. The x-rays and pathology came back that Scooby did have the pre cancerous Epilus so we were referred to a specialist for yet another surgery. This time they had to do a CT scan on Scooby and remove 3 of her teeth and a section of her jaw bone to stop the spreading of the disease and the degeneration of her bone. She spent one night in the hospital and came home with pain meds, antibiotics and anti inflammatories. This surgery and all the medications cost $4,354.90. The veterinary specialist submitted all the paperwork to Healthy paws along

Within the first year of having my Dobie Charlotte I had to file a claim, a large claim......Charlotte swallowed a rock and it didn't want to come out. Embrace was professional, timely, and had the claim paid within a couple of weeks. Did I mention that is was a LARGE claim?!? Thanks Embrace, you rock! Rachael & Charlotte

I strongly recommend using Embrace. I am very satisfied!

Embrace handles my claims efficiently and compassionately without having to go over and over the grizzly details of what happened to my mini-man. They have a wonderful relationship with The Gene Poole Cat Clinic and communicate clearly and concisely what pertinent information that is required. I so appreciate their professionalism on both ends. The bottom line is, the love of my life, is re-cooperating nicely, and I couldn't have done it without the help of Embrace Pet Insurance. This is my second claim, and they've always reimbursed me within weeks of the incident. I give them a 10!!!

I just love using Embrace and the claims and reimbursement process is so simple. Fax it in and then you get excellent service with constant updates on the status of things. Excellent service all around! They are the Nordstrom of pet insurance providers!

I really appreciate how fast Trupanion reviews the claims and gets the checks out.

I really appreciate how fast Trupanion reviews the claims and gets the checks out.

My dog Duke is a great dane/english mastiff mix, and at almost 200 lbs, he's about as clumsy as they come. He's gotten hurt a couple of times and Trupanion has always come through quick. I recommend this insurance for anyone that has an accident prone dog.