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Well, my first ever pet insurance claim went smoothly with Trupanion. I own an English Bulldog who is proned to health issues, and at the age of 8 months, she just had her first major issue...cherry eye. It was an 800 surgery with a precheck of 120/medicine and a f/u visit $. I submitted claims and had to pay 100 deductible on the various claims and then they issued reimbursement of 90% as promised on their literature without any antogonizing f/u required. Thanks Trupanion. I'll be happy to recommend you.Andrea

Everyone I have dealt with at Embrace has been incredible. My only problem would be the amount of time it has taken to get my claims to go through. I haven't yet met the deductible, so it's not a money concern. It's just odd to have these hanging in limbo when one of the benefits they tout is quick claim turnaround. That aside, I'm totally happy with this insurance. It's reasonably priced and gives me peace of mind. I've had terrible, expensive illnesses strike my pets in the past and paying out of pocket is NO FUN! And like I said above, the customer service has been incredible!

I have submitted several claims for my 1 year old cavalier king charles spaniel. Each claim has been reviewed and ultimately paid ina very timely manner. Thanks Embrace!! I couldn't be happier with my choice for pet insurance

We would like to see claims reviewed faster

Our two dogs had mishaps very closed together--one with an allergic reaction to new flea and tick medication and one a possible bite. Both required emergency hospital vet care. Embrace showed caring for our dogs in their reply to our claims. These were our first claims to meet the deductible and all was handle very satisfactorily.

Our perfectly healthty 2 year old cat started acting strange, crying, spitting, then eating ravenously. We didn't realize what was going on until he had a full blown seizure in front of us. We thought he was choking or having a heart attack.We brought him to our vet, who believed it could be epilepsy, then referred us to a neurologist for an MRI to rule out a brain tumor. Mc Gee was diagnosed with epilepsy, which is manageable with meds, and he is back to his usually happy self, and hasn't had an episode in the last 3 weeks. Healthy Paws processed his claim of approx $3600 the same day I filed, and paid to the penny all that McGee was entitled to, approx $3200. I was really surprised, as I never had a pet insurance claim until this one. If only people could be provided such great health insurance. I've had numerous emails from the employees checking on McGee and sending him best wishes. What a great company. I'm telling all my friends to insure their pets with Healthy Paws. They are just awesome.

My Vet actually gave me a hard time while I tried to get my dog's records. Healthy Paws intervened and told my Vet exactly what was needed and it all worked out in the end. My check as sent out quickly and an email followed to check on my dog's recovery. I would highly recommend this insurance company, they care.

My only complaints is it would be nice for it to cover recurring illnesses and quicker response time on claims. However, with that said I have to say I took my dog for an emergency room visit and it paid for a good chunk of that visit. Plus, the wellness package keeps me honest and current with her standard visits because I take advantage of her coverage. I also had a pet with cancer without coverage, this coverage would have helped a lot. I understand for some things it's just not enough, but I've had it both ways and I can say I would never be without pet health insurance going forward.

The customer service at this company is amazing! Everyone is extremely friendly and understanding. The only reason I didn't give them a 10/10 is because as previously mentioned the communication between they staff there seems to be a little disconnected. As Chris on 9/9/2012 mentioned, I would too get multiple emails and speak to different individuals who wouldn't be on the same page. However, once everything got sorted out, everyone was very helpful and quick and haven't had any issues since. I got a few services done for my 2 dogs and about 5 days after submitting my wellness claims, the money was deposited right back to my bank account (they're still working on an illness claim). They are also very speedy with their email responses and very informative. Their follow ups allow me to know every step of the process as well as know that they're taking care of my claims. I was REALLY worried about buying insurance for my dogs and worried I wouldn't be reimbursed or run into problems but I've been so pleasantly surprised. I absolutely recommend Embrace. If you're skeptical, call customer service and chat with them. I bet you'll change your mind. :)

I am personally overwhelmed by the support we have received from Healthy Paws ("HP). My dog developed a heart valve issue that required many tests and ultimate surgery to open a collapsing heart valve. HP was there with both financial and personal support throughout the process. My puppy seems to be on the road to recovery thanks to great Vets and HP. All claims were processed very rapidly. A great company with a heart.