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After several claims from stitches, and skin problems, to wellness claims for shots and spaying, Embrace seems to very good at covering everything I feel that they should cover. The only reason I would not give them a 10 out of 10 is the amount of time it takes between mailing the claim and receiving a check. On average it seems to take 4 to 6 weeks.

Everyone at Embrace is always very courteous, whether responding by email or communicating by phone. They don't try to trick you or skirt around your issue. My only suggestion to better serve Embrace's clients is to have one, and only one, representative handle the claims submitted on one date. That way, they can accurately review the claims and alleviate the back and forth questions due to multiple claims being submitted at one time. Also, and I have been advised that this is being worked on, the issue of not being able to view your claims online if you are using an Ipad or Iphone needs to be resolved. My recent claims were handled within a few weeks and both service personnel were helpful.

While the claim processing took longer than usual, I was kept very up to date regarding my submission. I know that Embrace has changed their processing so they are doing training which is taking longer to process claims. I am always excited though when my claim is actually accepted and paid. I always assume the worst with any insurance company that they will try to deny you for any reason at all, but not Embrace. They are reliable, fair, and true to their customers which is why I will continue have my pet covered with Embrace Insurance.

I recently brought my 4 month old puppy in to the animal emergency hospital on a Sunday (my vet was closed) due to vomiting. When I left the hospital, I realized what a great move it was to purchase pet insurance after viewing the bill. I submitted the simply claim form with a copy of the invoice. Within a few days I had received word via email that my claim had been processed and that a check was cut. I received my check already, and its only been 8 days since I submitted the claim from the hospital visit! Couldn't ask for a better turnaround time. Healthy Paws covered what they said they would, and the process of reimbursement was quick and painless. Highly recommend this company for all of your pet insurance needs. One thing that drew me to this company was that their policy period is continuous, whereas other company's renew yearly. The problem with annual renewals is that anything your pet experienced before renewal will be considered "pre-existing" on your new annual policy, therefore you will be blacked out from coverage. I'm so glad I found a company who doesn't practice this policy, because if your pet got sick or injured towards the end of your policy and isn't back to 100%, I'm afraid you'd be stuck with the bill because any other insurance company would consider it a pre-existing condition. I'm grateful Healthy Paws understands this flaw in most pet insurances, and found a way to offer solid insurance at an affordable price.

Very strong communication skills of the company with its clients responses are done in a timely fashion. Would recommend it to all per owners

I have been a long time Embrace customer and unfortunately have had to use my policy on a number of occasions. From cancer with my goldens to my Dane Rex bloating, Embrace has never let me down. I just recently lost my 3 legged Dane "Hope" after a long hospital stay. Embrace covered everything as expected. Even covered the doctor who came to the house to to accupuncture. I have all 4 of my dogs covered by Embrace. They are the best!!!

They covered exactly what they said the would!! No question about anything that was covered. Would recommend using!! Keeps you informed on status !!