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took one and a half months to find out that the coverage is not what they advertised and what I believed I am paying for, nothing was covered in the claim. (I have level 3 and $100 deductible, so only expected a small amount back anyway) Have now read other reviews on another site (easy to find, Google aspca pet insurance) and find that many people have the same or worse problems with non-coverage of their claim. I am cancelling with this company as I don't want to have them tell me my vet is too expensive, when they are actually reasonable for my area. I would rather put the over $500 a year into an account and pay it myself.

We had an unfortunate situation where our puppy suffered a broken leg in the care of a national chain of pet care/boarding. Fortunately, I had signed him up for coverage with Embrace Pet Insurance. Multiple surgeries were required to repair the break and subsequently remove the pins set in the leg. When all was said and done, the cost of medical care was over $7,000.00. Embrace Pet Insurance was more than understanding and helpful in making sure we received the insurance costs in the plan to cover the majority of the expense. It was trouble-free, questions were answered quickly, and the payment was prompt on our claims. I would recommend Embrace Pet Insurance to anyone looking to purchase insurance for their "extended family members".

There is nothing like having a pet as a member of your family. As pet owners we all know it comes with alot of ups and downs and when one gets sick your heart breaks. I have had Embrace for several years and lucky to say never had to use them until my male american bulldog got real sick. 2:30am in the Animal Hospital Emergency Room is not the most desired place to be and all that came to mind is getting my boy better. Embrace understands that and their staff have always been wonderful. Other than my reasonable deductible and percentage portion Embrace covered the rest allowing me to get the care for my boy that he needed. I would and have highly recommemded Embrace to any pet owner and would like to thank them for helping my boy get better and come home.

Please see an exerp from an email that I sent to Trupainion upon completion of my claim: "I received 3 claim process notices (the one here 271018, 269924 & 269923). My query regards why I was charged 2 deductibles when this was all done in 1 procedure. 1 on the claim here (27018) and as well on 269923. I do note that Trupainion has divided the claim into 2, but I am sure that you can appreciate that the scheduling for these procedures were to save money (for Trupanion as well as us) on anaesthetics as well as undue stress on Zeus if we were to have done this one 2 separate occasions." Trupanion's response is below: "Our deductibles are per condition. As Zeus was under he was treated for the masses as well as his oral care. As there are two different condition we had to apply the deductible to both conditions." I cannot tell you how utterly disappointed I was with this response. Tina Furber

Please see an exerp from an email that I sent to Trupainion upon completion of my claim: "I received 3 claim process notices (the one here 271018, 269924 & 269923). My query regards why I was charged 2 deductibles when this was all done in 1 procedure. 1 on the claim here (27018) and as well on 269923. I do note that Trupainion has divided the claim into 2, but I am sure that you can appreciate that the scheduling for these procedures were to save money (for Trupanion as well as us) on anaesthetics as well as undue stress on Zeus if we were to have done this one 2 separate occasions." Trupanion's response is below: "Our deductibles are per condition. As Zeus was under he was treated for the masses as well as his oral care. As there are two different condition we had to apply the deductible to both conditions." I cannot tell you how utterly disappointed I was with this response. Tina Furber

I got Pets Best after thoroughly researching numerous insurance companies out there, and based on reviews Pets Best appeared a great option - most reviews stated quick claims processing and payment of a large portion of vet bills. I have been with them 6+ months and submitted my 1st claim (only for $200) over 1.5 months ago - both my vet and I have gone in circles with them since then and the claim is still unresolved. They 1st contacted me about needing paperwork from the vet - completely understandable. Since my cat had only been to this vet once, I promptly let them know this and also gave them the contact info for her regular vet she had seen her whole life so they could ascertain "pre-existing illnesses" (none existed). A week or so later I was informed via email that my claim was closed because the vet that had seen my cat for her unexpected illness had not sent in records from the one visit. They did not enlist my help is contacting my vet or let me know they were having difficulty reaching them, rather they simply closed my claim out. I was frustrated with this and let them know, and in response a representative called me personally which I was pleasantly surprised by. This has been the only positive aspect of this frustrating, time-consuming process. As soon as I was made aware of my vet not sending in the paperwork and my claim being subsequently closed, I contacted my vet who promptly sent in the paperwork from the one visit. Another week or 2 later P

Our yorkie had surgery and the claim and payment were easy and prompt. We are so glad we chose Healthy Paws!

I cannot not say enough good things about Trupanion Pet Insurance. I insured my Doberman at 10 years of age. Approximately 6-7 months after policy inception she collapsed in my living room with a heart problem. Shortly after she developed problems with a mass on her leg that was inoperable due to her heart issues. This company paid approximately 18,000.00 to 20,000.00 dollars over the course of time that she was insured. I had a 250.00 deductible and they paid 90% of everything except office visits. This company is phenomenal. My girl enjoyed a great quality of life up until the end. I could not have afforded to take care of her with all of her issues without Trupanion. They are the best!

I cannot not say enough good things about Trupanion Pet Insurance. I insured my Doberman at 10 years of age. Approximately 6-7 months after policy inception she collapsed in my living room with a heart problem. Shortly after she developed problems with a mass on her leg that was inoperable due to her heart issues. This company paid approximately 18,000.00 to 20,000.00 dollars over the course of time that she was insured. I had a 250.00 deductible and they paid 90% of everything except office visits. This company is phenomenal. My girl enjoyed a great quality of life up until the end. I could not have afforded to take care of her with all of her issues without Trupanion. They are the best!

Our beloved dog Hazel died within about six weeks of signing her up for health insurance. We took her to the animal ER and she never came out--but we got a $2,000 bill. While Embrace took awhile to get us an answer--18 business days, when they promise 15 days, they paid the claim (minus the deductible). We were super surprised, though they would deny it due to ER or due to it being so soon after we signed up. Got a new dog, Bowie, and will buy pet insurance again through Embrace.