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We have nothing but great things to say about Embrace- very professional, customer service is through the roof- you can tell they really care about you and your pets health, claims are turned around so quickly, their coverage is phenomenal, they have many options to customize your policy and it's really easy to understand! I try to tell everyone with a pet about Embrace- the best out there!

VPI - Veterinary Pet Insurance is much easier to deal with in terms of claim forms. They are slightly less expensive than what the other companies quoted me. I left Pet Partners for VPI and I am happy I did.

I just wanted to express my complete amazement at how quickly and easily the process has been to file a claim and receive my money for reimbursement. Every month that I paid the premiums, I asked myself if it was worth it to have insurance on my dogs. Well I received the answer when my Greyhound Irene had a horrible fracture of her little toe. The claims where submitted to Pets Best, and within 10 days they were processed and I had a check in my hand. No problems at all where encountered. It was a burden off of my shoulders to know that I could make the best decision on treatment for her based on what was best and not how much it was.

We purchased a plan with PetsHealth (Hartville group) in 2005. Not very many companies offering pet insurance at the time. We found out that after the first year of coverage, our dog started loosing benefits because the clause in the contract stipulated a waiting period of 180 days from inception. They changed this to 180 days between cycles (annual). Which means any chronic condition will not be covered after 1 year. Our pure breed was diagnosed with a skin disorder and found out that since we treated him in November with an OTC for itching he bacame ineligible for coverage to see a dermatologist and all subsequent treatments because 180 days had not passed. We were also threatened if we cancelled our policy early we would encure penalty fees. We requested a high review of the claims and had to constantly call them for a status update. Once we got ahold of someone willing to tell us what happened they were rude and condascending. Now that we cancelled our policy all of our dogs issues will be considered pre-existing and not covered through another vendor.

We had VPI for our bulldog when he was younger but canceled it after they denied claims that should have been covered. Fast forward a few years and I started researching insurance companies again. I chose Embrace after reading all the reviews and have been so happy I did. Our bulldog started having some leg issues about 8 months into our policy year. All our claims have been handled quickly and any questions we had have been answered. They let you know by email when they have received the information and have been very prompt about letting me know about claim status etc. I was a bit worried as he ended up needing surgery but that was covered as well. I wish I would have known about Embrace earlier but at least we know now!

I bought a policy for my dog in April of 2008. She had a freak and tragic accident in June of 2008 and spent a day and a half in a coma on a ventilator in ICU before she passed away. It was an awful time and a huge expense. Embrace was caring, competent and efficient throughout. They handled much of the document gathering for me since it was a very traumatic time and paid their 90% of the claim quickly. I added two more puppies to my household in recent months, and buying an Embrace policy for each one was on the top of my list of things to take care of with each. The Embrace CEO personally contacted me to congratulate our family on our new additions and were excited for us. They had passed the photos I emailed to them all around their office. I recommend them highly!

I have two cats and originally had them both enrolled with another pet insurance company. I received a brochure about three years ago for ASPCA insurance and when I compared policies, the ASPCA policy provided better coverage for less out of pocket expense and so I decided to switch policies. In November of 2008, my male cat was diagnosed with Diabetes and I had to use the pet insurance for the first time. The customer servive has been excellent and what impressed me most was the ease of the paperwork and the timely reimbursement payments. I would recommend the ASPCA pet healh care provider to anyone with pets.

I have a 14 months old German shepherd and I signed up with Embrace because the company claims to cover genetic or breed-specific conditions. German shepherds are prone to hip or elbow dysplasia. I signed with Embrace when my dog reached the age of 11 months. I wanted to be out of the waiting period by the time my dog gets his x-ray evaluation (I am a competitive trainer and my breed organization's minimum age for hip and elbow a-stamp evaluation is 12 months of age). I had my dog's x-rays taken a few days after he turned 12 months. His hips turned out great, but both of his elbows were dysplastic. Because my dog is still very young, his vet recommended surgery as soon as possible to prevent any ongoing damage. I asked Embrace to pre-approve my claim and to my surprise received a denial. When my dog was diagnosed with ED, I told the veterinarian that I never noticed any symptoms other than a slight limp on my dog's forelegs when he was about 5 months old. The limp however disappeared after about a week and some Glucosamine supplements (my dogs weight almost doubled since then and he now weights more than 100 lbs.) Embrace found this statement in the vet's notes and claimed that my dogs elbow dysplasia was a pre-existing condition because it showed clinical signs prior to insurance coverage. I responded to Embrace that all of my previous German shepherds limped at some point as puppies (I had 5 so far) but none of them was ever diagnosed with ED. That did not matter. To say that I am disappointed with Embrace is an understatement. I find it outrageous that Embrace advertises its coverage of genetic or breed-specific conditions but then argues that those were pre-existing when it comes to a claim. Of course they are pre-existing that's why we call them genetic disease. I am terminating my policy with Embrace today because I lost complete faith in their business practices. Buyer beware, if your dog has ever limped at some point prior to getting insurance with Embrace, any claims related to your dog's musculoskeletal system could be simply denied for that reason.

When I looked at health insurance for our new dog, I found that most had schedules of amounts that they would pay for any given condition. Having no way to know what the bills would be likely to be for any condition, I looked for a better alternative. Pets Best offered a very simple benefits schedule: For most conditions, they pay 80% of the amount, after the deductible. Recently, our dog got pancreatitis. It was a real relief not to have to worry about the size of the bill when she suddenly got sick. And in fact, Pets Best gave us a determination on our claim online, and we had the actual check within a couple of weeks. Aside from a small charge for fecal testing (one of their exclusions), they covered 80% of everything after the deductible. This experience made me confident that the insurance really will be there when needed.

Since I got my first cat from a shelter she has had insurance, I wouldn't have thought to get it on my own but since a month insurance was provided by the shelter and by the time the month was up I had been to the vet over 4 times for a multitude of health issues she came home with. The people at Pet Secure I talked with during that time were so kind and seemed to care about my cats care as much as I did so I've continued care with them and never thought of canceling. Last year my cat broke her leg in my home during the night and over a month she racked up nearly $5000 in vet bills. Pet Secure handled all my freaked out phone calls, calmed my nerves and payed out the top amount on my cats plan to help me give her the best care. And nearly 4 months later she is doing great. I'm very thankful for the service and care I have received and now have two indoor cats insured with Pet Secure.