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OK, so this is not the first pet insurance carrier I've tried so I speak with experiance in which company I think is the best, and its by far, Embrace. Things I like most are: 1. There is an actual person that answers the phone and addresses your questions, etc. Not like an answering service type person, but a real person that actually cares about your pet. 2. The claim form isn't confusing and its easy to submit all your information. 3. You don't need all kinds of ridiculous paperwork to get your policy started. 4. The turnaround time for a reimbursment check is reasonable 5. The way that your policy is broken down is easy to understand.

After the loss of our 19 yr old and later our 14 yr old cats we thought about buying pet insurance on our newly adopted 1 yr old cat. We compared the common pet insurance carriers, their policies and payout for illness/accident coverage and came across Embrace Pet Insurance. They have a plan the pet owner customizes to match their own budget from basic to full coverage. A policy based on customer's choice, not by a "limited" fee schedules as other pet insurance carriers offer. We selected a $200 deductible, 10% co-Pay, coverage $10,000 for $21/mo per cat, a 1 and 2 yr old in San Mateo County, CA. Rates are based on zip code (which is good as vet expense in our area are very high), we get a 15% discount for microchip, 2nd pet, and paying annually. The website is user friendly at: www.embracepetinsurance.com About a month after obtaining coverage, our cat almost died from a serious Sepsis infection. Hospitalized at 2 facilities, Embrace totally delivered covering 90% of expenses after deductible. Our cat Termyte had 3 other visits that year, which were also covered, Embrace paid promptly (before the VISA bill arrived). Our vet bills totaled around $3,000 that first year. Now a customer for 2-1/2 yrs we are still impressed and added our 2nd kitty to the plan. The best pet insurance out there by far. Underwritten by Lloyd's of London is impressive. The "Embracer's" as they are called are knowledgeable, caring and compassionate. We knew this company was something special!

We signed up with this company in July of 2008. We opted for accident insurance for all 4 of our dogs for about $80/month. The sales rep was real smooth, very pushy and guaranteed that ALL accidents would be covered. In December of 2008, one of my dogs blew out it's knee (cruciate tear) on one of his hind legs. We called Pets Best to discuss prior to surgery and they guaranteed coverage for all $2500 as long as it wasn't pre-existing or an arthritic condition. The surgeon said it was neither and we proceeded with the surgery. After submitting the claim, Pets Best REJECTED it because of some very vague small print on page 5 of the policy that says the policy doesn't cover these types of accidents until AFTER a 12 MONTH TIME FRAME!!!!! When we challenged the claim refusal, the manager had the nerve to ask if we specifically inquired about cruciate tears PRIOR to signing up for the policy!!! MY GOD...WHAT A JOKE!!! How were we supposed to know what kind of accident would occur.

I think you will get every benefit you are eligible for. My dog has epilepsy. I have been with them for a year and 1/2 and they have paid for medicine every month as well as other related covered expenses. Plus I am covered in the event of an accident. I was able to lock my rate in. I reccomend them. My vet was sceptical they would pay anything based on past experience. He was wrong.

I have 2 dogs and have been very satisfied with the company's payment, response time, customer service and coverage. It has been well worth the cost. My only concern is the definition or deemed date of a pre-existing condition. When the policy renews, a condition should not be deemed pre-existing because it first began during the previous policy period.

Embrace is very easy insurance to buy and to use. If you have a pure-bred dog, there's absolutely no reason NOT to choose embrace since it's the only company willing to cover breed-specific conditions. So far, we've had a couple of claims and the submission/approval process is very clear and efficient and service is great! We are very happy customers.

I will start with the fact that they do pay claims. You have to push and fight. Basic care move much more quickly. I had a very serious claim and it took 4 months and a letter to the BBB in order for them to get their story straight. The hospitalization was refused 3 times for different reasons each time. The claim review process needs to be addressed. My vet was so frustraited dealing with this company that he asked me to change companies. I am actually so frustrated with Pets Best I am willing to pay for an expensive pre-existing condition in order to change companies. This could have been prevented with a more proactive claims review process and better communication. The customer service reps are very nice and as helpful as they can be, but they are at the mersy of the claims department. I feel for them and tried not to take my frustration out on them. It is really sad how customer service has gone by the wayside these days. It would take a call from the COO and upper management to get me to renew my policy, but even then I want to keep my vet happy. My vet has let a $700 balance ride waiting on this money. I don't know any other vet that would do such a thing.

I had insurance on 2 cats with this company for about 10 years. Overall I would say they are fair. The biggest drawback is the "pre-existing condition" clause. I have never looked into any other company policy and, therefore, am not aware if this is common practice. It seems to be a major source of complaint by many and can prove to be devastating upon an animals illness. After my cat died, I filed the claims for medical reimbursement and was at first denied because they considered his condition "pre-existing". I spoke to several women in the office regarding the matter and they were so very nice. After I explained the complete story of my cats illness, one suggested that I put those facts in writing and file a formal appeal. After 2 letters from me and one from my Vet, the company became aware that there was no "pre-existing condition" and paid fairly on the claims. My advice is keep good records so you can deal with facts if necessary.

I spent a LONG time deciding which pet insurance company to choose for my bernese mtn dog. I read about Embrace and couldn't refuse. Unfortunately, my dog did end up needing a TTA knee surgery a year after I bought the insurance. Needless to say Embrace was GREAT! They completely lived up to expectations. Embrace made the claims and precertification process very easy. They also were very kind, always asking how my dog was doing. I highly recommend Embrace.

This insurance was great at paying the annoying piddling expenses the first 8 years of my pets life. Insurance is definately NOT something that I want to get my money's worth. But, when a deabilatating accident (ACL tear) happened to my pet I was comfortable in the fact that I would be covered. after 8+ years of paying premiums. This is why we buy insurance right? Well, they gave every excuse in the book not to honor my claim. After filing a lawsuit with small claims court, they settled the day before they were to appear but with no admission of guilt on their part for continually rejecting the claim.