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When my dog was diagnosed with hemorrhagic gastroenteritis, the vet asked for $1700 up front for 3 days' hospitalization. I was concerned when I received the final bill as to what the insurance would pay. To my pleasant surprise, Embrace paid every nickel other than my deductible and 10% share of cost. I have recommended Embrace to 3 of my friends who were impressed with my story. One is changing from another insurance, and the others plan to initiate coverage.

Perhaps they think we'll just say oh never mind?they don't get the faxes, they don't get the faxes.. they don't get an email.. give me a break. they will just try to delay it until it passes the deadline for submission. Do they pay the vets bill? No, they pay.. sometimes.... but what they decide to pay. Is a bill from the vet stamped paid .. qualify as a paid receipt? no, they must have it written their way ..even though each vet has their own invoice style.It is all b...t. I'm very unhappy with them since my first claim. Looking around for another company.. for my pets.. I have several.. I'm told that all insurance companies all awful . that's not encouraging.

after reading some of the reviews i was surprised,on some of them. i have had no problems with pest best. i have had it for a year for a bull mastiff i bought last year as a puppy and submited 3 claims that were payed out in a timely manner

We have had other insurances for our goldens (VPI)and we found their reimbursement not anywhere in line with what our vet charged. After thoroughly researching and comparing numerous canine insurance company plans and after several calls and emails with their professional customer service, we chose Embrace. We found that Embrace reimbursed according to charges for the area. A month ago and a little shy of 6 months after registering with Embrace, our 3.5 year old golden was diagnosed w/acute pancreatitis. We rushed him to the emergency clinic, since it was the weekend and our vet was not open. Extensive blood testing was done. X-rays were done. He ended up staying a whole day & night on I/V at the clinic, constantly being monitored. The following Monday a.m. they transported him to our vet where the monitoring and I/V continued as well as blood testing. Their customer service is excellent. Claims we faxed were promptly acknowledged via email and reimbursement was received promptly. The bill ended up being over $2000 and Embrace reimbursed us for everything they said they would. Thank you Embrace!

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!