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I have been an embrace customer for about 4 years now. During that time I have made claims ranging from twisted knees to corneal ulcers to ear infections. Every claim has been quirky and fairly processed with a concise explination of coverage. Knowing that I have insurance for my pet removes any issue regarding money when I make decisions regarding his health. And knowing that embrace will stand behind their coverage makes that security real when it counts.

This is great insurance for my young dog but their 'usual and customary covered charges' are way off the rates paid in Manhattan. They underpay on claims and when I called them to ask them to send me to the vet that charges those very low 'usual and customary covered charges' in Manhattan they couldn't find one... But if my dog does get really sick I know I will get reimbursed for something and that always helps!

My baby had a dislocated disc and fortunately i have pets best insurance, they gave me 80% of what i paid less the deductible in 1 week!!! talk about being fast!!

Everyone was very friendly and helpfull! Walked me through as it was my first time filing a claim. Wad quick and detailed on responding through email. Very happy I choose embrace for my cat

Having the insurance keeps my wife and I from thinking twice about taking our dog to see the vet. If he's not feeling well, we take him to the vet. The only negative we've found is reasonable cost reimbursement rate does not appear to adjust for location, so we always take a bit of a hit on that (we live in NYC). Still, the insurance makes pet health care manageable

I have only had Pets Best for a year now - I have never filed a claim --I previously had AKC for all my 3 dogs and was happy with them except did not like the $3000 per incident limit and the rate increase which started to be over $100 each year for each dog. so I switched to pets best at the suggestion of a friend. Before I switched I contacted Pets Best to verify rate increases. They indicated they do increase their rates annually but only minimally - "usually less than a dollar a month" I have the email to prove it - so I went with Pets Best. Yesterday I got my annual statment with an increase of $120/yr for each of my 3 dogs - my monthly credit card payment increased by 60%- plus the deductible was increased to $100/per incident from $75. I am not happy- I am going to start looking elsewhere. They now have Aetna as an underwriter and I have read some reviews that indicate this is not a good thing.

----- Although my current claim with Embrace was refused, I believe the assessment to be fair. The customer service representatives not only demonstrate a solid knowledge of policy, but also a willingness to help and explain any/all questions. Embrace has a much more equitable definition and coverage of "pre existing" conditions and recognizes/supports the amazing benefits of alternative/holistic treatments. I honestly feel this company strives to offer the pet owner good, fair policy coverage. Thank you. I am impressed.

I've had pets all my life but it wasn't until a year ago when I got a new puppy that quickly was becoming expensive with all the vet visits, that I realized pet insurance could be a good think. I did my research and decided on Embrace. I've been so pleased with not only the level of customer service but the level of "personal" customer service. My claims are addressed immediately and reimbursement quickly. The coverage is the best I found in my research. I was so happy with them that when I got my 2nd puppy, I added her to the policy as well. Honestly, I can't say enough about Embrace, an all around great company. I've recommended them to all my pet loving friends.

My first visit to the vet with my new dog resulted in returning home with several pamphlets on pet insurance. I did my homework and extensively researched each one. Embrace was by far, the best one I could find. They have not proven me wrong!! Their "claims embracer's" are outstanding. I am kept informed every step of the way regarding my claims and receive answers to my questions quickly and professionally. The turnaround time on claims is good and there is always communication from Embrace as the claims are being processed. Sadly for my dog, he has issues but I have relief knowing that Embrace is there for me. I am happy I chose them.

Once again Embrace has WOW'D me! I cannot boast enough about the company, their customer service, follow through and follow up. I market this company every chance I get to people who have pets or are thinking of it. Thank you again for taking care of our 'kids' with a white glove.