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Last winter I had to put down my beloved Mocha because she had cancer that wasn't detected until it was too late. I had decided not to investigate why she was losing weight because I could not afford to-- I have a disability and live on a fixed income. She suffered silently for weeks before I even took her to the vet. When I adopted my new dog, Leo, I vowed never to be in a situation where I couldn't aford tests. I investigated pet insurance options, Trupanion had a monthly premium and deductable combination that I could afford, and it had the most coverage--90% of actual costs. I also liked that the premiums would not go up for submitting claims or as he got older. Three months after I adopted Leo, he got a potentially cancerous growth on his paw, but this time I could tell my vet to surgically remove and biopsy it. The customer service at Trupanion was excellent. The representatives on the live chat were able to tell me that the fax of Leo's records had not been received, and I had time to have the vet resend the records the same day [the vet had misdialed.] They then called me to let me know the fax had just come through. Two days later the claims adjuster called to explain which expenses could becounted toward the claim so that I would understand why the amount I was awarded was a little diferent than what I requested. A few days later I got my check along with a clear writen explanation of benefits, just in time to pay my credit card. Leo's bioposy

Our dog Frisco had a recent bad run of events that left us with significant vet bills. My husband in unemployed and we are living off of a single income making ends meet. Thank god for the pet insurance, it has been a lifesaver! It was tough to take on the vet bills but working with a great company like Embrace helped to ease the pain. We have always been able to get ahold of someone when we had a question and they are wonderful at emailing confirmations and explanation of benefits for all the claims we submitted. If only our personal health insurance was so clear! Thanks Embrace for offering such wonderful service to help us take care of our furry family members, I recommed them to everyone we meet! The 9/10 was just because our first claim took 15 days and a phone call to follow up to get processed...but when they did, they took care of all of our claims at once, even one we just submitted a few days ago!

I have been a customer for over 3 years and have been very happy with Embrace. They cover may things others don't.

I purchased Embrace for my 165 lb. Irish Wolfhound after getting clobbered with a $6,000 emergency bill for my 10 lb. kitty....When reading the fine print, I discovered Embrace had much better emergency coverage than many of the other plans. They have worked with my vet on pre-existing conditions. This was my first claim and I was interested to see if this was going to be covered and as easy of a process as they claimed. It definitely was!! I am very happy with their Customer Service. I sleep well nights knowing that my big boy should be taken care of during an emergency.

I just want to say that I am so happy with Pets Best Insurance. My Chikita is like my daughter and she had been going through my health issues and it was such a relief to have Pets Best, it took a lot of pressure off my worries. Pets Best came through with everything that they said they would. My claims were recieved right away and processed. I do recommend Pets Best Insurance to all my friends. If anyone is looking for Pet Insurance you can stop here. Pets Best is the Best. I am so happy and satisfied with this company. Thank you Pets Best for being there and keeping your word.......

I just received an email that I will be getting a reimbursement for heartworm and tick prevention along with vet appointment cost. The response was fairly quick.

I wasn't sure what to expect but I'm more than satisfied with the entire process and especially the quick claim response. My much loved yorkipoo Max has the best in vet care and I'm glad we chose Embrace as part of our efforts to give him the best of everything.

This was my first experience with Embrace and I was very satisfied. They were true to their word on everything. Thank you so much.

I have a rescued Greyhound and she got sick in May of this year. Thank goodness my good friend told me about ASPCA Pet insurance because it saved me a lot of money in Vet. bills. I only have the plan for injury & illness but I feel it is well worth the monthly payment. Chris

My long hair Chiwawa mix ran into a cactus the kind with very large stickers and also very small stickers. I took him to the vet, where he needed to be put under to get all of the small, difficult to see stickers out. He emerged unscathed, I turned the paperwork into ASPCA and they covered it as agreed.I feel, however, that if the dog insurance carriers really want to help their "dog-parents", they will communicate with the vets when it comes to cost of care. Some snake bite sirems can become very costly and the ins. cos won't want to pay for them. Without restraining the doctors, maybe some established sirems and emergency practices could be reviewed so that they are covered and don't become to expensive. Then you insurance buyer would really have the confidence to buy your product