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I bought this insurance years ago. I wanted to try out the idea of pet insurance since someone suggested it. They went with ASPCA so I decided to go with it too. I soon found out that their customer service was horrible. I called on the phone waiting to get a rep on the line and I'd wait a LONG time on the phone before someone would finally get to it. I believe it was more than 15 minutes and even longer on the second trial. This happened twice so I decided I'd better not go with this insurance company and decided to cancel it having it less than 1 month. They did not refund me my amount they took. They billed me for the whole month even though I had the insurance less than 1 month. I talked to them and they said this was the way it worked. Point being was I felt like this company was greedy and didn't think the about customers and their pets.

I have never used a pet insurance. My Vet recomended Embrace and another insurance company. We decided on Embrace and I am very disappointed in my claim results. My claim was for $958.11 and they only will emburse me $327.36.The reason that people get insurance is to help with the cost of vet bills in an emergency. I felt that my total bill should have been covered. I might start looking for a new company.

Clain took very long to process. Only covered $86 out of $444. Called some things pre-existing that truly were not. For $118 a month, I would say not the greatest return on my investment. Andrea

We purchased a wonderful Boxer and rescued a sweet Pit Bull from our local shelter. The Pit has had no health issues but little Boxer girl has and with the exception of some preexisting issues (wish we had gotten insurance the day we brought her home) the Embrace insurance helped so very much. We did not get a policy with meds included which is a major cost and with a purebreed puppy that would have been a good idea for us during her first year.

This is the 1st time that I have had pet insurance for 1 of our pets.. we have had alot of animals in the pass but never purchased insurance for them before. We had a Dobe that was our million dollar dog..and well worth every penny of it, but he had all kinds of health issues and no pet insurance. So we decided all pets would have pet insurance coverage from that point on. So far it has been a good experience with Embrace..

I just signed up for health insurance this past summer since my beloved cat is getting quite elderly. A month or so ago, he was attacked and had to be taken to the emergency vet. I forgot all about my ASPCA coverage since I was so worried about him. My husband reminded me and I filled out the simply and short claim form. I was notified via email when they received the form and when it was processed. My check was mailed very fast. I was so please with my experience that I am adding other pets to the policy. My only problem was that ASPCA excluded portions of the price of some of the services (and all of the price for the Feline AIDS test) based on local prices. This is normal for human insurance as well but it always irks me.

petunia, my boston terrier, has skin disease. it is being treated with atopica, antihistimines & allerderm. she has lost about half her body fur, so i call her my "boston crested". embrace has been outstanding in their claim handling, and also i get the occasional email asking how petunia is, which i doubt no other pet insurance would do. frankly, it is that personal touch that keeps me recommending embrace to other pet owners. they are the #1 pet insurance referral from my vet. petunia is getting better, and for that i am most thankful.

Be wary when selecting any pet insurance provider, read all the fine print. We had the insurance for a couple of years when our poodle developed a growth on her anal gland, the vet monitored it for some months then at the vets advice we opted to have it removed as it was growing. Because the growth was discovered during one year of insurance and removed during the next insurance year (which could be over a period of only a day, depending upon when your insurance year starts and ends), the claim was considered a "Previous Condition" and denied.If human insurance companies did this, it would cause a bit of an uproar, but pet insurance companies, in my opinion, have found and use to the fullest extent, the ultimate legal rip off.

I have had Pets Best Insurance for my two pets for a year and a half before I ever filed a claim. In September 2010, however, I lost my beloved pet Trixie Belle. She died from unknown trauma and within a couple of days of going to the hospital--but not before a battery of tests amounting to more than $1,200. Even though it took me a few weeks, I did eventually call the insurance to let them know. They were very sympathetic and immediately canceled the insurance for Trixie Belle and refunded the remainder of the premium. They also emailed me a claim form to assist me in submitting my claim. Shortly, thereafter, they also sent me a condolences card, noting that they made a contribution in memory of Trixie—something that brought tears to my eyes. Their customer service is just phenomenal. I was so devastated that it took me seven weeks to submit my insurance claim, but only ten days for PetsBest, to send me a check. The payout was exactly eighty percent of the submitted claim minus the copay and without any other reductions. I really appreciated that they did not give me problems or ask unnecessary questions. PetsBest made this difficult time much easier for me by treating me with dignity and respect. I would recommend them without hesitation.

I adopted a Puppy from a Local Animal shelter. She in the first year of her life, had some medical issues and without my ASPCA pet insurance, it would have been hard for me to get her the care she needed. It also covered her normal care and vaccines. It even covers the Flea prevention and Heartworm preventative.