Find and read reviews with confidence

We had previously been using Pets Best for our cat 3-year-old Evie. I chose it based on price and the fairly good reviews it received on here. They seemed better than what I had heard about with the big name ones, like VPI, but Pets Best's deductible structure sucked. It was a per-incident deductible (like car insurance), so the reimbursement was rarely worth it (unless you jacked up your premium to lower your deductible). Ex: We had a biopsy done that cost $600. After the deductible and 20% copay, I got back roughly $300, which was a little less than what I paid annually in premiums. If it were an annual deductible, I wouldn't mind eating that because I'd be set for the rest of the year. But I felt like I was pouring money into a hole and was intent on finding a pet insurance plan with an 80/20 reimbursement, annual deductible and decent customer service. I thought there couldn't possibly be a provider that met these requirements (they're all in this to make money and this is a bit of a boutique industry, right? why would they structure it actually pay out generously on claims??) until I read the reviews on here and looked more into Embrace. It's all true - they're awesome. The annual deductible makes a big, big difference. I just met mine after a blood test and exam, so it's a huge relief to know that if anything else comes up that requires a trip to the vet (or the ER), I've paid my fair share into the system and will be compensated appropriately. No starting over from

Ever since I'd heard about pet insurance plans many years ago, I'd thought about getting it for my dogs, but in those early days the plans & service didn't seem "worth it." Last year, having 2 senior dogs & 3 younger dogs, I finally decided it was action time. Barely 2 months after my policies became effective, I was taking one of my dogs to our regular vet for stitching up a mystery laceration on her leg (they alo put in a drain to help the healing). A few months after that, a different dog was rushed to emergency late at night for stitches for a large laceration that went right behind & underneath the right eye (just missing the eyeball). The ER Vet added a drain to help heal the cheek area where the epidermis had somehow become separated from the supporting tissues. Then just 3 days after that, I was back in the pet ER at midnight with yet another dog who had eaten a pound of rat poison! During the treatment period for the poisoning, my dog was seen by 3 different Vet Clinics (the ER, the regular Vet & a specialist) - ASPCA Pet Insurance covered all the claims with no extra questions nor any problems! Needless to say, I incurred a large amount of emergency vet bills in under 6 months. Having the ASPCA Pet Insurance was such a big help! Submitting claims is very quick and easy and I have no complaints about the customer service. I love being kept up-to-date with where they are in the processing of my claim & then beong able to view it all online. I'd prefer not to have

I am the most skeptical of people, but EMBRACE did what they said they would do in a courteous and polite way.

I cannot thank you enough for the quick response to my claim as well as getting reimbursed!!!! You company is great and we are very luck that we have Embrace for our insurance.

I have been with Pets Best coming up on 4 years. I have seven pets insured. Pets Best has definitely paid many times over for itself. I hear people say why not take the monthly fee (all of $30 or so) and save it for health care. Well that won't make a dent for a long-term illness that can cost thousands over the years. My cat Bandit has diabetes and Pets Best has already paid thousands on his illness. My dog Sadie had three MRI studies totaling about $3400, and we got 80% refunded to us within 10 days with direct deposit. There is not way I could have saved that kind of money in the bank, so I had to put it on my credit card and thank god we could pay it off with the insurance coverage. Some companies, as another reviewer mentioned, offer deductibles per year rather than per incident, but I would be careful with those companies as their per incident limits are usually quite low in comparison. Other insurances rarely have such high per incident limits, which is really most important. Pets Best make it so easy for me to get reimbursed because they cover almost everything unlike other insurances who have a schedule of benefits with strict limits. My only desire for the pet insurance industry in general is to have a program for people who do not always have the money up-front to pay thousands of dollars for a major illness.....we are stuck if you don't have any more credit. Thanks Pets Best for being there.

I adopted a little pomeranian that was in good health...but he was older. They estimated about age 8. I knew that his health would catch up with him and I knew that Pet INsurance would be a great idea. thanks GOD, I did it! My poor little guy has had several trips to the vet and tests, etc. If i didn't have this insurance I would be out a lot of money.

Embrace was so helpful when my dog Bruiser needed an MRI and possible surgery on his spine. Every representative I spoke to was compassionate and extremely knowledgeable. I truly appreciate their stellar customer service, and genuine concern for my dog. Embrace covered most of my expenses, which I wouldn't have been able to afford on my own. I'd recommend Embrace to all loving pet owners.

I have a newly adopted Catahoula Leopard Dog who is absolutely gorgeous and absolutely a handful! Thankfully I had enough sense to get pet insurance a few months after adopting her and was recommended Trupanion through my vet. Little did I know that injuries and mishaps would soon follow at a HUGE cost! I would literally be flat broke if it wasn't for this insurance company. My dog is now healing wonderfully after having expensive shoulder surgery which involved xrays, mri, and the surgery itself. The reimbursement is stellar and they have a very quick turnaround time. Definitely the best pet insurance I've heard and one that I'll NEVER be without!

I have a newly adopted Catahoula Leopard Dog who is absolutely gorgeous and absolutely a handful! Thankfully I had enough sense to get pet insurance a few months after adopting her and was recommended Trupanion through my vet. Little did I know that injuries and mishaps would soon follow at a HUGE cost! I would literally be flat broke if it wasn't for this insurance company. My dog is now healing wonderfully after having expensive shoulder surgery which involved xrays, mri, and the surgery itself. The reimbursement is stellar and they have a very quick turnaround time. Definitely the best pet insurance I've heard and one that I'll NEVER be without!

Well in excess of 30 cheques issued and delivered over the last two and a half months and all in record time. Only had one claim put under review and the total claims were well over $13,000 again over the last two and a half months. Never once were we or the Vets questioned which provided great relief and ease of moving forward with treatments.