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So far, I have been very pleased with the insurance, including easy forms to fill out, fair reimbursement, and the fast payment of claims.

We were really careful in researching and choosing insurance for our english bulldog, and are very glad we chose embrace. They have covered breed specific issues. They have been easy to use, prompt with refunds and helpful on the phone. One of the best customer service experiences i've ever had! no joke!! from an insurance company?!?! I am always amazed at how quickly they come back to me with information re claims and certification without my even asking!

Some "people" insurance companies could learn something about customer service from ASPCA. I've been with them starting my fourth year. I have two cats and one dog. I have the middle of the road policy. They are great to respond and quick to get reimbursements to me. I like their online explanation of benefits. The only thing I do not like is that each year, if my dog had an illness the last month of the year, that same illness would not be covered the first month of the new policy year. The dog would have to be "cured" for 180 days before they would consider covering it. This is my first company I ever had insurance with. I will look into other options if they do not change that policy.

We decided to get the ASPCA pet insurance right after we got our 6 week old golden retriever puppy last year. The vet gave us the information. My husband and I know that unexpected expenses can happen (we have two children). It is just nice to know that we will have some help financially if we need it. We have had two close calls with him eating things he should not. In both cases, we had to take him to the vet and do the workup because he had apparent digestive blockages. Goldens are known for chewing everything. The insurance has also helped with the well checks, but we got it primarily for the unexpected. We are very happy that we chose the ASPCA insurance.

They will do anything they can to not pay your claims. They are not helpful or understanding in regards to patient care.

They will do anything they can to not pay your claims. They are not helpful or understanding in regards to patient care.

From the first interaction with Embrace, the firm has been responsive, helpful and kind. I have had several claims (wellness and illness) and general inquiries and each employee I have spoken with has been knowlegeable and caring. I wish my health insurance company were more like Embrace. The company really sets the standard!

watch out for these people. they are still insurance people. they will try to find any loop holes to deny your claim! i took my dog in for a emergency visit cause of pain somewhere. obviously my dog was experiencing pain somewhere so i took him in. i filled out all the paperwork as their website posted only to find out that they had denied it. apparently i didn't check the box that was associated with "previous condition or not". it was a ER visit! ofcourse it wasn't previous! it was the first time my dog had behaved that way! if they had read the medical report that was also submitted with the claim, then it would have been perfectly clear! but i guess they have a bunch of dumb auditors.... good luck if you have Pets Best! this is my personal story and just wanted other people to know!

These guys are caring, empathetic, responsive and very customer oriented! I was just sharing with my vet's office today how grateful we are that we have Embrace as our pet insurer. They respond to claims quickly, gave me a pre-certification approval within 3 days of receiving it, and their policy coverage is easy to read and understand. I can't imagine being a pet parent without Embrace. Carrie Harviel in particular, has been an exceptional representative of Embrace Insurance!

My first puppy was born last year, and he was the joy of my life. I made many arrangements for his coming home, including taking about a good week (~4 hrs a day) to find the best pet insurance I could. Embrace was simply the best of the best, in terms of insurance companies, period. There call center always answered my questions promptly, and didn't mind my million and one "what-if scenarios" questions. They were clear what was covered, what wasn't, and what additional add-ons (like the wellness package I got) would do and what they wouldn't. I think I talked to the company a total of 20 hours before I actually got the puppy signed up (they were very friendly, and I'm very picky, and they were very professional). Once sign up, I couldn't have been happier with the claims process. There explanation of benefits is SOOOOO much better than my own insurance company- it actually explains how/where the money goes! The checks were mailed quickly...I hear they now offer direct deposit too. Having gone through several human health insurance companies, I really wish they would have services for humans too! But its ok they want to stick to the cuddly animals-they deserve the best, and they got it with Embrace. I don't have any complaints (maybe the waiting period is long-but definitely not longer than their competitors)...this is possibly the best case of corporate insurance responsibility and reliability I have ever seen.