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I was happy that I had bitten the bullet a few years back, and bought pet insurance for my Australian Shepherd, Nellie. I didn't have it when I had to come up with $4,000 for her ACL surgery. 80% of that would have been helpful. Nor did I have it on Bravo when he was diagnosed with Lymphoma. I never added up the costs of 15 months of chemo. Nellie required surgery recently, which came to $1,400. The reimbursement of 80% of the cost came very quickly and without question. I'm sold on pet insurance.

I was very hesitant to get pet insurance, but after having a poodle that lived to be 18, I decided it would be the best idea with our new Chihuahua. After reviewing the other insurances out there, I did the math and Embrace with 10% co-pay and a $200 deductible seemed to pay for itself with only 3-4 vet visits per year. I also added the Wellness plan, it's like getting $50 back free. Plus they have a lot of nice reviews and only one bad one that I could find. I received an email telling me that I needed a vet's exam to start the insurance coverage, so I thought "Oh boy, here goes! This is the FINE PRINT!" So I took Nutmeg in, and had the vet fill out the forms, as well as give her 2nd puppy shots. I submitted it, thinking that they would kick it back, because it was the initial exam. But to my surprise, they paid the entire thing! Quickly and with nice sincere emails that did not seem to be forms, but really written by a human. We'll see how it goes in the future, but they are starting out great.

Both my pets have had unforseen health issues and if it wasn't for Pets Best I'm not sure what I would have done! My dog had a ruptured cruciate ligament (blew her knee out) about two years ago and needed surgery which wound up costing nearly $4,000. After paying my $75 deductible, they covered 80% of the bill! Not 80% of their "approved" charges, but 80% entirely! Then, if you can believe this, just last fall she ruptured her other knee, same exact surgery required, same results from Pets Best...awesome! Now about my cat. She has had three different occasions of requiring dental surgery for painful lesions and she's almost without any teeth now, but at least she's not in pain and neither is my wallet. Each extraction was costly and Pets Best delivered on their promise to pay 80% of the full charges, minus my deductible. I call my guys my million dollar babies, little lemons, ha-ha! But they are my most precious companions and I am so happy to know they have insurance to care for their medical emergencies...best investment I ever made!

We just had our female bulldog puppy spayed. Our policy with Embrace includes 'wellness' coverage, which provides $200 annual benefits for $180 in premiums. This was our first claim experience with Embrace, and included a policy adjustment (health insurance discount after spay or neuter). Both the claim reimbursement and the policy/premium adjustment were handled with perfect efficiency, including correspondence to ensure satisfactory handling before, during, and after processing. That sort of customer service is rare in my experience lately. Good work Embrace!

Embrace stayed in touch about my claims and records review. They answered my emails within 24 hours and provided very helpful information. Coverage for the claim was as stated in their policy and all was processed in a very timely way and professional manner. I recommend Embrace to anyone who asks me.

Before my dogs were insured i was always concerned about the vet bills. Now with the insurance i get some relief.Would have got it earlier had i known.

Bugsy was acting strange not wanting to brushed and would nip at anyone that tried to rug his hind quarter of his left side. It looked almost like he had an impacted bowel. I was not here at the time all this was going on and my Mother and Brother were telling me how bad it looked thinking maybe he would have to be put down. It hurt to think I might lose my baby, who has been with me thru times of trouble, sorrow and depression, he has always been there to comfort me as if he knew I needed him just to cuddle with me and be there with his big golden eyes, saying "it's okay, Moma" "I am here for you". I was so glad I had the foresite to want to be there for him when he needed me, and without the ASPCA pet insurance, I couldn't have done just what needed to be done for my baby, I am thankful for the insurance and the help it afforded me to be there for him, now he is home and back to his finnicky eating, which I cater to and there every night on his little place on my bed, purring and wanting to be groomed again. We insure our houses, our cars, our lives, why not take care of our pets, they are an important part of my family. Thank you

My husband and I have been adopting older pets for many years. In April of 2007, we lost our beautiful St. Bernard, Georgie Porgie to torsion. The cost for 4 days of ICU was $10,000 cash. If we couldn't pay up front, Georgie did not get treated. (See Georgie's story and pictures at Adopt A Saint of California. Look under Successes, 2005-2006. He is number 214. He had so many homes that our adoption did not even make it on to the website.) After the financial disaster of Georgie's death, we reviewed several pet insurance companies and chose Pets Best. We currently have 3 cats and two giant breed dogs covered by Pet's Best Insurance and couldn't be more pleased. In August of 2007 we adopted Bubba, another wonderful St. Bernard. In December of 2007 Bubba was diagnosed with Lymphoma. Our insurance with Pet's Best allowed us to treat the Lymphoma and keep his quality of life good for almost a year. Without the insurance we could not have afforded to treat him. Now our female Rottweiler is 11 years old. She has several chronic old age problems. Pet's Best has made it possible to provide her good care and keep her comfortable. They have paid the contract amount on all claims and have handled all inquiries with friendly and helpful customer service. I recommend Pet's Best Insurance very, very highly!

Purchasing my pet insurance through ASPCA was a god send. After a year of purchasing the insurance my beloved Bichon Frise, Toby, was diagnosed with cancer. I am truly blessed for without the insurance I don't know that I would have been able to have this unexpected expense due to his illness. Today, Toby I well.

While on holidays, our dog sustained an injury that required hospitalization after midnight. While in hospital, x-rays, bloodwork and an ultrasound was performed and our dog was released after 18 hours. Within the next 3 days the medical report was completed and forwarded to our vet-pet insurance. The claim was substantial and required another level of review and within 5 days the claim was processed. Throughout the entire process there was excellent communication with Trupanion and we were most satisfied with the result. Over the years,Trupanion has provided excellent service, communication, and claim repayment, and we are thankful we chose this company to have our pet insured under. We would use them again for any future pets we own also.