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not expensive and prompt claim response. I have 5 cats, so the cost is worth it to me. After surgery for removal of a tumor, received 80% of the cost in 2 weeks.

I adopted my first pet on Feb 2,2011, an adorable mix of dachshund and jack russell . She has had 5 accidents since i took her home ranging from pulling out her nail to eating 30 advills.....needless to say all were emergency care, and very costly,. I submitted the claims and the claim was settled with in there stated time of 10 days. I wish my personal insurance were as good as this.

My maltese has been covered with PetsBest since he was about 2. I decided to look for insurance after he was attacked by a German Shepard and I had to foot the bill! It was over $2000! Im almost done paying this bill and decided after that incident to never, ever go without pet insurance! The monthly cost is minimal, compared to what I spent on his injuries. Ive used them 3 times, one claim wasnt covered because it was considered preventative (he had contracted ghardia(sp?)), and then 2 more times because he had gastroenteritis. Those claims were paid for. It did take a little time to get my reimbursement check but no more then what they state about 10-14 days.I found the claim forms easy to complete and simple to understand. I did everything via email, and fax. Overall, Im satisfied with them and would recommend them.

There's a lot of confusion about how to submit forms, certificates and change the deductible. They draw you in very well at first then give you hard time about getting coverage. I've spoken to lovely people thee and very curt and snotty people as well. I'm looking into changing to a higher rated company before my dog turns a year.

There's a lot of confusion about how to submit forms, certificates and change the deductible. They draw you in very well at first then give you hard time about getting coverage. I've spoken to lovely people thee and very curt and snotty people as well. I'm looking into changing to a higher rated company before my dog turns a year.

Embrace pet insurance is great. No benefit schedule means that you can go to any vet of your choosing and it is covered completed based on the coverage amount you chose when you customized your plan. Their web site is great and all questions were answered there. I did not even need to speak to a person, ever. They respond via email very promptly and professionally. Embrace is a great choice.

My 4 1/2 month old puppy Billy had diahrrea, and I took him to the vet assuming there was a simple cause like intestinal worms. When the fecal test came back negative, the vet did an X-ray and saw that he had eaten a sewing needle. He needed emergency surgery that day. The vet gave me an estimate of $1500 but the total ended up at almost $2800 because of damage to his intestine. I was so scared for Billy to undergo such a major surgery at such a young age. Also, I didn't have the money and had to take out a loan. Healthy Paws paid me back exactly what my plan dictated - 90% of the bill - promptly. And they checked in to make sure he was doing ok. I literally don't know what I would have done without Healthy Paws- and luckily, I don't have to find out!THANK YOU HEALTHY PAWS!

I've had Embrace insurance for my dog for less than a year and have been pleased thus far. Recently I was told a skin blemish on the dog's rear end could not be covered because he had an ear infection on his first appointment! Seriously, that's stretching it don't you think? I am disapointed to say the least. Also, you list ear problem and skin porblem seperately below. Obviously you do know they are two different things.

I have pugs, which is one of those breeds with lots of potential problems. I got this insurance for the pug I've had since he was a puppy, and he's been ridiculously healthy (fortunately). When I adopted my second from the ASPCA, I thought I'd better add her, and was delighted with the second pet discount. Well, she turned out to be a lot less fortunate in her health issues, and while we didn't opt for the wellness coverage, since we budget for those vet visits, all the premiums we'd paid for the first dog have all been nearly reimbursed since Gremlin developed a persistant infection. I think the amount of reimbursement was fair, although living in my NYC neighborhood, the allowance for office visits and antibiotics was a little low (I've shopped around and my vet now is much more reasonable than the one I used to go to!) Other than that, I've been very happy with this insurance. Prompt payment, and courteous customer service, and I can check on all my claims on a secure website - no holding for the next available person!

I have only good things to say about my experience. After vet appt, faxed bill and diagnosis (UTI)to Petshealth. Two weeks got check...easy