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We have 2 embrace policies, 1 dog and 1 cat. We had the policies nearly 1 full year before we ran into any major issues, but now we've had 1 major issue for each pet (It's been a difficult year) and in each case the issue started at the end of the first coverage year and wasn't even diagnosed until the 2nd so we're stuck with the continuing care maximum. With our dog the issue was elbow dysplasia and we had initial xrays done in policy yr 1 when symptoms developed, it wasn't until we were finally referred to the specialist that we were given a diagnosis. We had an additional set of xrays done and arthroscopic surgery preformed so that the vet could establish what we really going on in our dog's case. Embrace paid their 80% for both sets of xrays and the arthroscopic surgery promptly and efficiently, but now we've already hit our continuing care maximum for the year just figuring out the issue (even though we weren't able to really use the benefit of the $10,000 coverage, we only had about $600 in bills the first yr). We are lucky since the vet was able to determine that she had slight joint in congruency in her left elbow, but further surgery (such as adjusting the length of her ulna) wouldn't be recommended at this point since her cartilage looks healthy and the incongruency is minimal. We'll just have to be more mindful of her lifestyle and the amount of exercise she gets needs to be moderated so she doesn't develop arthritis. We also noticed a melano-like ma

I have been with Trupanion (formerly VetInsurance for about 2 1/2 years. I have found their claim processing to be very timely and have never had a problem with them denying my claim. But, my premiums started at about $37/month and have gone up every year. The latest increase is from $47 to $58. And, my vet clinic has not increased their costs, so I find it hard to believe that these premium adjustments have nothing to do with either my pet aging or claims I have made.

I have been with Trupanion (formerly VetInsurance for about 2 1/2 years. I have found their claim processing to be very timely and have never had a problem with them denying my claim. But, my premiums started at about $37/month and have gone up every year. The latest increase is from $47 to $58. And, my vet clinic has not increased their costs, so I find it hard to believe that these premium adjustments have nothing to do with either my pet aging or claims I have made.

I'm a new customer and have received exceellent and knowledgable asistance and very timely reimbursement for claims.

In one year, I had 12 different "insurance specialists" respond to my claims. None of them know my pets well, each one comes with different requests. 90% of my claims are rejected!!!The problem is that all insurance companies are the same, this one is one of the worst.

I recently signed up with Embrace with the arrival of my new puppy. I knew that my first claims would center mostly on Wellness issues like vaccines. All in all, I am happy with the speed of the customer service and how responsive they were. There was a small admin glitch which delayed the direct deposit of the reimbursement but that got resolved quickly, otherwise they'd get a full 10. I like Embrace and would definitely recommend them to future pet owners.

My 9 year old Shepard was injured by a bigger dog. I paid my Vet with Visa credit card, submitted the the bill to Pets Best and the claim payment arrived in my bank account before the credit card bill was due. Unbelievable service. Thank you

My mini doxie (4 yrs old) has IVDD that has required expensive emergency visits & neurology appointments. Pets Best has reimbursed our claims every time. Their customer service is bar none the best. They are so helpful, polite and prompt. I am truly a happy customer.

They rejected my claims stating that my dog's bacterial skin infections were a pre-existing chronic condition based on the fact that the prior year she was observed chewing her feet. They don't seem to know the difference between allergies and infections. This was after two months of runaround repeatedly faxing documentation to them. VPI was much more reasonable in their claims processing.

I have had Embrace on all four of my dogs since December 5, 2009. The week before Thanksgiving of 2010 my daschund all of a sudden became sick. She was diagnosed with leukemia. Within 2 weeks I had already met my $500 deductible. I was a ball of nerves especially during those first couple of weeks after she was diagnosed. Having insurance is & was a blessing. All the guys at Embrace were & are very helpful in answering any questions I had. It never takes more than 2 weeks and not even that long all the time to get an answer back on your claim. I very happy to have Embrace Pet Insurance for my "kids". It is a great investment every month. Piece of mind!