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I bought pet insurance for my husky mix 2 years ago because I knew I could not afford vet bills if something major happened. I got basic accidental insurance and I am happy with the rate. My dog recently tore his ACL and needed surgery to fix it. I paid the bill, submitted it to the pet insurance company, and received a check a couple weeks later. It was easy and I found the customer service reps were friendly and helpful. I only have a few complaints. First, I did not receive the total allowance for my vet bills and still ended up paying $600. The reason was because they said the cost was too high and I could have gotten it cheaper at a different office. However, I visited 4 vets in my area and I went with the vet that charged the least amount. I'm not sure how it could have been any cheaper, as there are only two orthopedic vets in about a 100 mile radius of me and both charge the same fee (the difference in the amounts was the vet office fees for x-rays, etc), but at least I got most of the surgery covered. My second complaint is that certain injuries are not covered until you are with the insurance company for an allotted amount of time. I was lucky that injury did not occur a few months early, as I would not have been covered, even though I was way past the normal 12 month mark. However I will continue to insure my dog with ASPCA.

I am so impressed with the customer service at Embrace. Every time I e-mail I get a response from a person who really seems to care...no auto responses or phraseology. They take the initiative to look at our records and make things as easy as possible for me. Instead of my having "to prove" my claim, they took the time to look things up and promptly told me everything would be paid right away. I am very pleased with my experience and would recommend this company to anyone.

I HAVE 2 DOGS BUT ONE OF MY DOGS HAD A VERY SEVERE DENTAL ISSUE , THAT WAS 2 3000.00 BILLS THAT THE PET PARTNERS TOOKCAR OF LESS THE 20%. JUST FAX THEY SEND YOU A REPPLY BY MAIL AND A CHECK IN 2 WEEKS. IF THEIR IS A ISSUE JUST TELL THEM AND THEY WILL RECHECK THE DISPUTS I HAD THEY REVISED AND PAYED. THANK GOD FOR THIS PLAN

I selected them when my cat turned 9 and we felt we needed to start insuring him for later-in-life issues. He needed nothing for a year, and then it all started happening! Dental extractions, evaluation for CRF etc all at aged 10 -- plus baseline labs, wellness, etc. Our first "whopper" bill was approx $800 of which Petsbest reimbursed 80% within a month. This policy is the best monthly $40 I've ever spent! They are always great on the phone and very helpful. I also like the fact that this company was started *BY* a DVM, so he knows how we feel particularly at end-of-life. I think it's a "personal and professional face" on the company that I like the most

When my tough as nails Amstaff refused to eat and was dry heaving I knew from experience that she had something lodged in her. As your four pawed baby is dying in the exam room you tell them to fix her. Then you get the bill. Having pet insurance makes paying that bill much easier to swallow - especially in these trying times. I didn't have pet insurance the first time and the bill was over $4500. The best part of pet health insurance is that I still have my four pawed baby who now plays with my 1 year old.

Embrace is the best pet insurance company out there. They are the ONLY insurance company that covers breed related issues. The ONLY one. So, you'd think they'd be much more expensive, right? Not at all. Their coverage cost is competitive with the other companies who do not cover nearly as much as Embrace does. Their staff is curteous, prompt, and always available to answer any of your questions. I've only had one claim so far, but it was covered as their literature said it would be. (I cannot say the same for my personal health insurance company.) I couldn't be more happier with Embrace.

I submitted the same claim 3 times to Trupanion. First by regular US mail. I never heard back. When I called to check, they had no record of the claim. Second time, the claim was faxed by the vet. Still no word. I called again and once again Trupanion claimed they never received it. The vet faxed it for the 3rd time and I finally received an e-mail that the claim was under review. It took a total of 9 months to get them to review the claim. Half way through the process, we stopped paying our premium because of the poor service. We honestly felt like we had been duped. When I finally heard back after the 3rd submission, they claimed they could not process it because we had not paid our premiums for the last few months, even though the INCIDENT HAD OCCURRED WHEN OUR PREMIUMS WERE UP TO DATE. I am still haggling with them over this. DO NOT USE TRUPANION.

I submitted the same claim 3 times to Trupanion. First by regular US mail. I never heard back. When I called to check, they had no record of the claim. Second time, the claim was faxed by the vet. Still no word. I called again and once again Trupanion claimed they never received it. The vet faxed it for the 3rd time and I finally received an e-mail that the claim was under review. It took a total of 9 months to get them to review the claim. Half way through the process, we stopped paying our premium because of the poor service. We honestly felt like we had been duped. When I finally heard back after the 3rd submission, they claimed they could not process it because we had not paid our premiums for the last few months, even though the INCIDENT HAD OCCURRED WHEN OUR PREMIUMS WERE UP TO DATE. I am still haggling with them over this. DO NOT USE TRUPANION.

I purchased the policy because in the past, I have endured having to lose a beloved pet due to lack of funds for an expensive treatment. When I rescued Scooby I decided to give this a try. I researched and decided on Embrace because of the favorable reviews. Along with major medical, I purchased a wellness rider and I have to say that I am thoroughly impressed with the service, the courteousness of the representatives and the efficiency of the entire process. Payment was promptly and accurately rendered. Follow-up was also prompt and greatly appreciated. I will definitely recommend Embrace and in fact, have already informed my vet that I was extremely pleased and would they recommend Embrace to their clients. Thank you!

I switched from another pet insurance which sold out several times. Although they seemed "functional" they never provided the personable service I have received to date. The claims are handled very quickly and the e-mail conversations are wonderful. Very detailed and again, personable. They really seem to care how both you and your pet are doing. I love them, so does Pearl and Shiner, they say "thanks".