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I bought this ins with the wellness plan. You have up to $480 per year for wellness coverage. I understood that if your pet had to go in other than the annual exam, you would be covered. Not so. You can only use each one once as in heart worm pill, 1 UA, 1 blood panel etc. My dog goes in more than once a year as she is getting older and is requiring more care as in having more than one UA. This deductible business is per visit, not accumulative through the year. I am looking at other insurances as Pets best has been a real pain for me, I don't know why I even have it, as not much has been reimbursed back to me as there is always "something" according to them. I have stopped referring people to them.

I would not recommend Pets Best Insurance. I have 3 working Border Collies, and recently they have denied everything. Then it is up to you to try and fight it. Too much work and stress! I figure I can put the money I have been throwing away at them in my savings and not waste my money. They used to be very good, but not recently at all. I would NOT recommend them!

petshealth has eased the burden in seeing to the medical needs for my dog tubbs an 8 year old black pug. he has had the coverage since about 7 months. he has been a healthy dog for the most part. at times when medical intervention was needed petshealth stepped into the breach to ease the the cost of care. petshealth is highly recommended.

I have been a loyal customer of Embrace for about 3 years, and every so often they prove to me why I'll probably never switch. When I took my dog to the vet for her annual exam and vaccinations, it amounted to a whopping $345 bill! The claim was sent though there were some communication problems (due to said vet's horrible handwriting). Embrace attempted to contact said vet office several times to get a breakdown of the bill over the phone, but the clinic just sent out another bad copy of the bill instead. Another insurance company probably would have given up by then, and not even bothered after a few weeks, but Embrace didn't let it slide and let me know the situation when I contacted them. After speaking with (an incredibly rude) receptionist at my vet's practice and failing once again to get the clinic's cooperation, I deciphered the vet's handwriting myself and e-mailed the breakdown to Embrace. They thanked me and send me the maximum amount reimbursement from their annual Wellness plan ($200), even though the claim was almost a month old by then! With any other pet insurance company, I probably would have had to live with the money lost, but Embrace always takes the time out to help their customers. Thanks again, Embrace!

Trupanion is a pleasure to work with. My questions are always answered, and I was paid the benefits (after meeting the deductible) in a timely manner. They are very clear what is covered and what is not, since there are always exclusions. I had a complex issue after a rare leg fracture that required both my vet and a specialist surgeon (thank goodness surgery was not required). Each doctor had to sign the claim forms (each with a different diagnosis), and Trupanion handled it properly and promptly. One interesting note: After learning the surgeon prescribed physical therapy, Trupanion added a physical therapy rider on the policy "after" the accident without any question. My young Labrador now receives $130 physical therapy treatments (using an underwater treadmill) that only cost me $13. He loves the treatment (and the therapists) which I believe helped him recover 100%. No sign of lameness, and return to symmetrical muscle tone, which makes us both extremely happy. Didn't think I would need to use this insurance, but an accident can unexpectedly happen at any time.

Trupanion is a pleasure to work with. My questions are always answered, and I was paid the benefits (after meeting the deductible) in a timely manner. They are very clear what is covered and what is not, since there are always exclusions. I had a complex issue after a rare leg fracture that required both my vet and a specialist surgeon (thank goodness surgery was not required). Each doctor had to sign the claim forms (each with a different diagnosis), and Trupanion handled it properly and promptly. One interesting note: After learning the surgeon prescribed physical therapy, Trupanion added a physical therapy rider on the policy "after" the accident without any question. My young Labrador now receives $130 physical therapy treatments (using an underwater treadmill) that only cost me $13. He loves the treatment (and the therapists) which I believe helped him recover 100%. No sign of lameness, and return to symmetrical muscle tone, which makes us both extremely happy. Didn't think I would need to use this insurance, but an accident can unexpectedly happen at any time.

My little dog "Lola" apparently ate something very toxic left on the ground at an RV campground last week - Lola started vomitingun-controllably and became very lethargic and refused to eat or drink any water - I immediately took Lola to a 24 HR emergency vet hospital where the DR immediately put Lola on a constant 24 Hr IV needle and kept the dog under close observation + repeated blood tests for over 5 days in the hospital - this hospital + this DR literally saved my dog's life - Lola is back home with us once again and appears to be perfectly normal - had it not been for PetsBest insurance coverage I would have been faced with the awful decision of putting Lola down due to not being able to afford the tremendous cost of saving her - PetsBest has reimbursed me 80% of a hospital bill well over $1,000.00 - need I say any more ?

When we found out our dog had a tumor on her adrenal gland, I was not counting on getting much back from our insurance company. I figured it would be a complicated and stressful process to make claims, but I couldn't have been more wrong. The staff at Trupanion was extremely helpful, supportive, and fast in processing the claims. We got back exactly as much as we thought we would - overall, it's a great deal and I've been recommending Trupanion to all my friends and family. They made a stressful time much easier.

When we found out our dog had a tumor on her adrenal gland, I was not counting on getting much back from our insurance company. I figured it would be a complicated and stressful process to make claims, but I couldn't have been more wrong. The staff at Trupanion was extremely helpful, supportive, and fast in processing the claims. We got back exactly as much as we thought we would - overall, it's a great deal and I've been recommending Trupanion to all my friends and family. They made a stressful time much easier.

I am happy with Embrace, my policies and coverage. The claim processing has slowed down some, but the bottom line is the coverage the provide. I understand they went through a computer conversion which understandably slowed them down with claim processing. I am pleased with Embrace and the coverage they provide.