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For years I had no trust in pet insurance. It was too new and from everything I had heard from pet owners I knew who had insurance of any kind they always said it never paid properly. When I lost my two dogs that I had had for 9 years and got a new dog, I decided to at least review the pet insurances. I literally read each and every review from each pet insruance agency online. Embrace by far was the very best insurance company out there from the reviews that I read. I decided to give them a shot. Well, I submitted my first claim and was very pleasently surpised when in fact my claim was not only received and responded to in a very timely manner but Embrace paid off every penny I was owed back in an extremely timely manner as well. Needless to say I am extremely pleased with Embrace and their customer service is outstanding as well.

We have had Trupanion Dog pet insurance, for about one year. As stated above we are not happy, and we are considering changing Ins. company's. We have filed about six clams and they have only paid for two. They state that our dog had a preexisting ear infection, that is true but it was almost nine months ago. I ask them if they where going to do this for ever, after all it was a long time ago, and they stated if it was preexisting yes. So be very care full if your animal has a preexisting problem.

We have had Trupanion Dog pet insurance, for about one year. As stated above we are not happy, and we are considering changing Ins. company's. We have filed about six clams and they have only paid for two. They state that our dog had a preexisting ear infection, that is true but it was almost nine months ago. I ask them if they where going to do this for ever, after all it was a long time ago, and they stated if it was preexisting yes. So be very care full if your animal has a preexisting problem.

My 3 year old Bulldog Major was hit by a car, He held up pretty good but still was in complete shock and needed urgent Vet care. He was taken to the emergency vet hospital and had a full exam with xrays and then had to stay over night for observation. I have both my dogs covered under Trupanion and have had to made 3 claims in the past 3 years totally around $6000. All I can say is thank god for Trupanion being there. My premiums have never went up due to my claims and the processing time is AMAZING!!! 3 days and my claim is paid. I really can't say anything bad about Trupanion whatsoever. 5 Stars !!!

My 3 year old Bulldog Major was hit by a car, He held up pretty good but still was in complete shock and needed urgent Vet care. He was taken to the emergency vet hospital and had a full exam with xrays and then had to stay over night for observation. I have both my dogs covered under Trupanion and have had to made 3 claims in the past 3 years totally around $6000. All I can say is thank god for Trupanion being there. My premiums have never went up due to my claims and the processing time is AMAZING!!! 3 days and my claim is paid. I really can't say anything bad about Trupanion whatsoever. 5 Stars !!!

I'm new to Healthy Paws and haven't filed a claim yet, but I have to say that their customer service is outstanding. An issue came up with my billing and not only was I contacted immediately, the customer care I received was pleasant, professional, and helpful. I would recommend Healthy Paws to anyone and everyone interested in pet insurance!

Embrace has completely denied claims for totally unrelated allergies that my dog has had, because they treat ALL allergies as being the same. Even when my vet called them to explain that the past allergies and the new one were completely unrelated (sort of like the difference between having hay fever versus being allergic to onions), Embrace still said no. Then when my dog had a yeast infection in her ear, they denied the claim saying that "Allergies increase the risk of secondary skin and ear infections and is the reason we cannot provide coverage for the claim". Wow!! Buyer beware!!! It appears that Embrace will do whatever they can to deny claims. I was really hopeful, but now I am most disappointed.

My dog Eva is the world to me. I adopted her from the Humane Society in Maui when she was 5 months old and she has been my faithful traveling companion in these last 5 years as I wander through life and across the country. I have grown up always having a dog (or more) in my life, but she is my first personal companion. I love being outdoors, exploring, and traveling, and she goes everywhere and does everything possible with me! I had a feeling when we began our adventures that allowing her this freedom to explore might introduce some chances of injury or sickness. Therefore finding and signing up for the ASPCA health insurance was the best thing I have ever done! Multiple times now we have needed the services of the ASPCA pet insurance to help cover the costs of our vet visits. Fortunately she is naturally healthy, but as I had anticipated, her high energy and accidental encounters have incited a few costly trips to the vet. Our coverage has provided reimbursement averaging 50% of the costs, which I have told my family and friends that I am very grateful for! I highly recommend pet owners, especially those who have active and adventurous furry companions, to get pet insurance. I look forward to many more adventures with Eva and it gives me comfort to know that I have support from the ASPCA Pet Insurance to keep her healthy and happy for the rest of her blessed life!

As an insurance-free pet owner for many years, I worried that purchasing policies for my Cavalier puppy and 7-year-old cat would turn out to be a waste of money. I couldn't have been more wrong: They have paid for themselves many times over due to a few emergencies I certainly hope will not be repeated. When you're in the already horrible, scary position of having to treat a sick pet, it is such an enormous comfort and relief to know that price does not have to be a primary factor. (Because let's face it: Most of us will do whatever is necessary to save and care for our animals, regardless of cost.) Best of all, every single interaction with Embrace has been an absolute pleasure: The staff is courteous, professional and kind. I couldn't be more pleased with the overall experience. I hope I won't need to use it again, but I'm so glad that it's there.

Pets Best has always responding quickly on all of my claims. Most recently, my 10 yo dog had a strange lump in her mouth. It turned out to be a rare benign growth. PBI covered 80% of the claim without problem.