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I've been very pleased with embrace. Our puppy, jaxson was very sick for three months trying to find out what caused his Illness. Embrace was always there. When I sent a claim in, they would get a response right away and they actual cared about Jaxson and alwasy asked how he was doing. I would highly recomend Embrace Pet Ins. Thank You Tom & Lisa

my friend raved about pets best, but I have had no luck with them at all. I'm switching back to VPI. yes on paper PetsBest seems great, but they nickel and dime you at every corner possible, and they're so difficult to get $ back from. You have to write almost an essay for everything the dog needs, and so far, even though I've had the basic procedures that are "supposed" to be covered under my plan, they find a loophole to not pay me. VPI never did that, and it was so easy, I just faxed them my reciept, and VPI would send me a check. So far my pup and i purchased the most expensive plan too, out of the $400 I submitted, I only got $10 back, saying they will only cover the fecal test. I would not recommend them, This is what I get for swtiching and trying to save a couple bucks.

My dog Dually was diagnosed with Spondylitis and I just spent $700 getting him diagnosed and treated. Pets best processed my claim in two days and wired money into my bank account immediatlely. They are always so pleasant on the phone. I highly recommend them.

I have had Embrace insurance for two years (pay about $350 a year for policy with a $300 deductible and covers 80% of pretty much any service). Last year, it saved me around $600 for random recurring Giardia infection... but this year, WOW! My dog got bloat with torsion (ruptured spleen, internal bleeding, etc) and required emergency surgery costing over $8,000. I'm so sad to say that I don't think I could have saved her life without this coverage. Thankfully, she got everything she needed and it cost me less than 2K (affordable). The process for filing my claims was EASY! Single form, attach invoices and send. Embrace kept me informed on their progress throughout (even sending email updates midstream) and when I was getting stressed about my pending credit card payment, they rushed my claim through! Everyone there is SO SO SO nice and responsive. No arguments, no drama, no delay. Love it! I really can't say enough about how the coverage and service level has impressed me.

I had originally used VPI to insure my two dogs dating back to around 2002 but switched them to Trupanion about two years ago after reading an article in Consumer Reports. I am so glad I did this!! In my experience, Trupanion has much better coverage.... no caps on expenses for an injury or illness and and the coverage and deductibles don't change as my pets get older. This is a huge benefit compared to VPI. In addition, Trupanion emails me through every part of the claim process, has taken the time to call me regarding specific claims, and overall has been very helpful. My only additional comment is that the "90% coverage" is a little misleading. When my dog developed cancer, I took her to a specialist. While they have covered 90% of her treatments (minus the deductible) so far (some are still pending), the initial $200 consultation was not covered. Ultimately, this doesn't make a difference... I would still have taken her to the specialist and I would still use Trupanion! (And to be fair, I may have missed this in the fine print print of our policy.) I just remembered from the website the "90% coverage" and this wasn't quite accurate. Overall, I have been very happy with Trupanion and I have already recommended them to several friends with pets.

I had originally used VPI to insure my two dogs dating back to around 2002 but switched them to Trupanion about two years ago after reading an article in Consumer Reports. I am so glad I did this!! In my experience, Trupanion has much better coverage.... no caps on expenses for an injury or illness and and the coverage and deductibles don't change as my pets get older. This is a huge benefit compared to VPI. In addition, Trupanion emails me through every part of the claim process, has taken the time to call me regarding specific claims, and overall has been very helpful. My only additional comment is that the "90% coverage" is a little misleading. When my dog developed cancer, I took her to a specialist. While they have covered 90% of her treatments (minus the deductible) so far (some are still pending), the initial $200 consultation was not covered. Ultimately, this doesn't make a difference... I would still have taken her to the specialist and I would still use Trupanion! (And to be fair, I may have missed this in the fine print print of our policy.) I just remembered from the website the "90% coverage" and this wasn't quite accurate. Overall, I have been very happy with Trupanion and I have already recommended them to several friends with pets.

Pet insurance - level 3 - has worked out great for me and Jackson. Prices for vet care in NY are expensive and the insurance helps.

My 2 year old dog Sasha has already had several medical issues in her short life (she loves to eat things she isn't supposed to!) Pets Best has assisted me in 2 stomach surgeries for Sasha, a surgery to re-do her original spay that caused an infection, and most recently, a hip injury that luckily, needed no surgery but plenty of x-rays! All of my claims were handled so quickly and with no questions other than verifications from our vet. One claim was processed and received in under three days! I am so happy that I decided on getting pet insurance and especially happy that I chose Pets Best!

I have tried other pet insurers. Trupanion stands up to its claims -- and mine.

I have tried other pet insurers. Trupanion stands up to its claims -- and mine.