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I processed my first claim with PetsBest,for the routine annual visit, and it was one of the most simple claims I have ever filed. The best part is that they send you an email for every step of the way. Everything they said would be covered (and the amount) was done in a matter of one week. The only downside I would have is that, if my dog stays healthy, my vet bill is cheaper than the cost of keeping the insurance.

I didn't even know there was such thing as pet insurance until i got my puppy. I was thought to myself "how does this work" & "is this even worth having"? After much research and weighing out the pros & cons about the different companies, I decided Pets Best insurance was the best choice. I was even more convinced after submitting my first claim that I made the BEST decision. The claim process was super easy and fast & The customer service department was FANTASTIC and extremely helpful. I was happy they paid my claim and that I'm getting money back! It pretty much paid for itself. Did I mention this company covers Wellness? Other companies don't. I love this company! Would totally recommend it!

Several years back I had insurance with VPI. They were a nightmare to deal with. I was constantly chasing after them to find out when I would be reimbursed for claims for my Golden Retriever. Maybe they have improved but no way are they Embrace!Customer service is top notch! Email claims are a breeze and the turn around time for reimbursement is fantastic. They follow up all along the way. They even checked back weeks later to see how my dogs were doing. If you are looking for pet insurance you just found it!

I reviewed a number of options before we finally selected Embrace, and we couldn't be happier. The policy is easy to understand and use. We had both an injury and an illness last year. Both claims were reimbursed promptly with a minimum of paperwork. I was so happy with the illness policy, I added a wellness policy. We will definitely continue our coverage.

I highly recommend Healthy Paws as a great choice for pet insurance. From the very beginning the customer service was top notch and the claim service was quick, thorough and fair. A little background - we purchased a policy when we brought our 9 week puppy home. A few weeks later, the puppy developed an infection and when we submitted the claim form and supporting documents, the claim adjuster quickly reviewed the info and even called us to tell us that she needed one additional piece of info from the vet. She said she just wanted to keep us informed. Overall, the claim form (which was scanned and emailed in) was processed in less than 2 days. Sadly, the puppy had a complication when she was to be spayed and did not survive. When I emailed Healthy Pets to cancel the policy, the company really showed how passionate they are about pets and a great amount of compassion. Not only did they send a personalized email saying how sorry they were about the loss of our puppy, they also sent a hand written note (signed by about 5 staff members) with short messages about how sorry they were. That is not something you typically see from a company. Should my family get another pet in the future, we will undoubtedly be going back to Healthy Pets.

I have had this policy for my dog for 6 months, previous to the policy he had been seen by a vet for a possible poisoning, he was dizzy and disoriented with nausea and lethargy for 2 days and no diagnosis was made. 2 weeks ago he got ill and had no nausea or vomiting and he was better within an hour but Embrace said since 2 of his symptoms were the same and 2 weren't its considered pre-existing and they won't cover anything for him now that causes any of those symptoms. They emailed me to tell me they've denied all 5 of his claims because they think he had a neurological issue prior to having insurance... funny thing is that the claims were for a hospitalization and several liver tests because that's what the vet thought his latest visit looked like. But looks like no matter what they're gonna find a way not to pay on most claims, BEWARE!!!! Customer service was rude when I asked about claims, I gave a 2 because I'm Guessing they don't post reviews with a score of 1.

This was the first time I made a claim on my chocolate lab, Bonnie. We discovered she had bone cancer in her leg and had to have it amputated. I was devastated but the people at Embrace were very kind in their manner and explained very clearly what my coverage was. Being the first time I had made a claim, it took about 3 weeks to get reimbursed, but friends who also carry Embrace had warned me about the delay the first time. After all your pet records are with Embrace, they say reimbursement is always within 2 weeks.

I chose Healthy Paws because they didn't have incident caps or pay schedules and they were just as competitive if not better priced than other popular insurers for the same coverage. From my very first phone call asking policy questions through my current covered situation, they have been extremely knowledgeable and competent answering my questions. I have a 4yr. old German Shepherd that was diagnosed with Lumbo Sacral Instability. My Healthy Paws plan is 90/10, with a $100 deductible. I have not had one HEE HAW or BUT about his claim. I have been covered for his diagnoses, X-rays, MRI and his Previcox medication. The paper work is very easy to submit, no jumping through fire hoops to only be denied later. These people care about your pet, they’re pet owners themselves. The staff are enjoyable to chat with and could probably help you with information leads if necessarily. This company should be your first phone call to get a quote from. Recently they have changed their lifetime payout from $25,000 to no limit cap at all.

I have all 3 of my cats insured with Pets Best. They are a vast improvement over VPI - there really is no comparison as VPI was terrible. Pets Best is always fair and their turnaround time is very fast. They communicate with me and let me know the status of my claim. One of my cats had to have a benign tumor removed last year. This was expensive and they paid promptly. I have recommended them to all my pet owner friends who are very happy with them also. I will continue to do so.

Yes, Pet Insurance is like Car Insurance. Hopefully you will never need it, but if you do, you'll be glad you have it. In March of 2010, I decided to get insurance for my seven year old beagle, Tulip May. Luckily, other than allergies, Tutu is a healthy dog. Eleven months elapsed and I hadn't needed to submit any claim. But while waiting in the lobby at the dog groomer's, Tulip snagged her nail on my coat and ripped it significantly. So much so that blood dripped all over the place. Thankfully, the groomer was able to stop the bleeding. But she also could not groom Tulip that day and suggested I immediately go the vet's office to have her treated. Needless to say, I was a mess. Tutu needed to be anesthesized, have her nail clipped all the way down, and placed on an antibiotic to avoid infection. Here I was, at the end of the my inital year of insurance, having to place my first claim. Needing some guidance, I contacted customer service, faxed in my claim, and had received an 80% refund check in less than two weeks! Fast and easy. As an aside, I also like that part of my policy remittance goes towards animals in need. My two suggestions to ASPCA Pet Insurance would be that they institute a policy more dedicated for pets in their middle years. Generally, after the age of five, dogs are considered "seniors," and most insurers only offer limited wellness and/or illness policies, if at all. They basically just cover accidents. I would further suggest something wherein