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We have a very active dog that seems to get into injury trouble among other things. After $1500 of vet bills in one year, we opted for getting insurance. I researched a bunch and Embrace came out way ahead. I liked the fact that you can customize your policy to meet you needs. We opted for the 90% coverage (10% co-pay) and paid yearly so we got a separate discount. What makes this somewhat unique compared to others I’ve researched is the fact that they pay based on the actual bill, not customary charges. If you’ve ever had to battle with dental insurance (for humans), you’ll understand that that type of insurance pays customary charges which seem to be fees based off the 1980’s. No one charges that today and you get stuck paying the overage. Embrace will pay the bill at whatever level you’ve signed up for. I’ve been hesitant to write a review until I actually needed to use their service but have now met my deductible within 6 months and now I am receiving my first “refund” due to vet bills exceeding my deductible. Their service is quick on claim processing, I have not yet received my first reimbursement check but I’m told it was mailed today….One thing to note though is to make sure you review your paperwork properly from the vet before filing. Also, review what is “covered” from Embrace with each charge. I noticed an error on the Embraces part, called it to their attention and they quickly fixed it. Also, at first, I had to “debate” pre-existing conditions by requesting additional vet paper work and clarification in order for Embrace to fully understand the health history of our dog. They were more than willing to hear me out and adjusted accordingly. So far the service has been great and I’m recommending them. I did not rank 10 out of 10 yet for I really don’t know how long it will take for my check to arrive- I don’t want direct deposit. One more note, it’s important to do the math when considering what type of plan you want. Wellness was not a viable option for us to consider for the overall benefit but may be for you if you spread out your payments. So look at the different options carefully.

I have had Embrace pet insurance for about 2 years now, and just upgraded this year to include the wellness plan. I wish every company would operate with the same customer service philosophy as I've been consistently impressed with every encounter I have had with anyone at this company. Filing claims is so easy as you received personalized claim forms, and I just set up direct deposit so the process is near effortless. I can't recommend Embrace enough!

I have had pet insurance for my dogs for over 15 years, and I am very pleased to have Petshealth Care Plan Insurance for my dogs. I tried another company for a short time, and was disappointed. Petshealth Care Plan is an insurance company that is easy to work with, has knowledgeable and friendly staff, and is a pleasure to do business with. Susan G Morganville, NJ Owner and breeder of Bichon Frise

I have had to submit two claims in the last several months for my dog. Both were handled promptly and to my complete satisfaction. This company cares about its customers. I recommend them highly to anyone who has a pet.

After a devastating experience with one of my cats years ago, I swore I would never be without pet insurance again. My beloved rescued FIV cat was diagnosed with liver disease, and his only chance was intensive care, which we simply could not afford. The vet did what they could, but having tried some natural remedies, our only recourse was to have him put to sleep. I did not feel he had been given an adequate chance of fighting, and he was a tough cat. I made sure that subsequent rescues had insurance, and I have no regrets. When another of our cats developed IBD/intestinal cancer we were able to ensure that he was comfortable and that we had offered him every possible treatment available, short of chemotherapy. Knowing that he was living the last 6 months of his life to the fullest was very important to us, and those months turned out to be the some of the most precious. I was able to care for him without stressing over the cost - which was only a fraction of the total bill. I advise all my friends with pets to have pet insurance, and I treat it with the same urgency as I do our own health insurance. We are all subject to sickness and the unexpected, and we cannot all afford such high bills, so if pet insurance is available to us, we should utilize it.

I have been with Embrace pet insurance for over 2 years. Our little Tiny Toy poodle had 2 specialized surgeries and 2 ER visits before she was a year old and we realized we needed help with these huge bills. After researching several pet insurance companies, Embrace was by far the best in terms of kindness trust, compassion and understanding about my pet, willingness to answer questions and never showed impatience when talking on the phone. All the agents are extremely kind. They explained their policy thoroughly and there were no hidden charges or confusing verbiage in their policy which could be misinterpreted. After the required waiting period before the policy kicked in, and I filed my first claim, there was no resistance or bad attitude that you often get when filing claims with insurance companies. They are friendly and act as if they really want to help you and are glad to honor their claims. They are very efficient and prompt in payment. I recently went through a very tough procedure for my little dog and they worked very hard to pre-certify in time, and the agents at Embrace actually showed compassion with understanding of what we were going through. This is an exceptional Pet Insurance Company and I have told many about it. I have another dog at home and I wish she wasn't too old to insure, because I would love to continue to support this company with my other pets.

Trupanion came in handy just in time. My puppy, Bella, swallowed a chicken treat, and it got lodged in her esophagus. After seeing our regular vet, we had to take her to a specialist. The total bill was close to $1,400. Trupanion covered 90% after my deductible and sent the check just within a few days. Then, Bella bit an electric cord and had to go back to the specialist...another $700 that was covered. The claim was handled in less than 24 hours! A few days later, Bella passed away from an injury (this little puppy got into everything, but she lived a very happy and spoiled, but short life sadly). I contacted Trupanion, and they immediately canceled my policy and requested a refund of the month's premium. Although I'm completely distraught over Bella's death, I do find comfort in knowing that she received the BEST care all thanks to Trupanion, and I'm not left in debt. I highly recommend this pet insurance company, and I will use them should I decide to get another pet later in the future. I can't thank them enough for their incredible service.

Trupanion came in handy just in time. My puppy, Bella, swallowed a chicken treat, and it got lodged in her esophagus. After seeing our regular vet, we had to take her to a specialist. The total bill was close to $1,400. Trupanion covered 90% after my deductible and sent the check just within a few days. Then, Bella bit an electric cord and had to go back to the specialist...another $700 that was covered. The claim was handled in less than 24 hours! A few days later, Bella passed away from an injury (this little puppy got into everything, but she lived a very happy and spoiled, but short life sadly). I contacted Trupanion, and they immediately canceled my policy and requested a refund of the month's premium. Although I'm completely distraught over Bella's death, I do find comfort in knowing that she received the BEST care all thanks to Trupanion, and I'm not left in debt. I highly recommend this pet insurance company, and I will use them should I decide to get another pet later in the future. I can't thank them enough for their incredible service.

Our Bichon Frise was an integral part of our lives for over 11 years. When she was diagnosed with kidney failure we were devastated. Unfortunately the choices were few. She was hospitalized several times and we were given fluid therapy to administer at home. When the inevitable occurred, not only did the ASPCA Pet Insurance help defray the costs, we received condolences and sources for helping to ease the hurt. The people at ASPCA Pet Insurance truly cared about our Pearl. When we adopt a new family member, she will be provided ASPCA Pet Insurance.

I have had VPI insurance in the past. After review of Embrace and VPA I am so happy that I choose Embrace for my 10 week old 2 lb. Chihuahua/Pomeranian. I have never had such quick response when submitting the first vet visits for Zoey.