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After a horrible experience with VPI, I signed up with Embrace after seeing all the positive reviews on this site. After 3 months my pet had to be hospitalized for seizures. I was a little nervous since I had just signed my dog up for coverage, but the Embrace team was wonderful and so caring. They kept in constant communication with me and processed my claim within the 15 days promised. Even after the check was received they emailed me to follow up on how my dog was doing. Great company and should be the blueprint for other insurance companies.

We've had Pets Best for over a year now and they are extremely difficult to work with. They're customer service is terrible (don't return phone calls, can't explain the process well, etc) and they claim everything is preexisting. We are currently looking for other another company to insure our cats.

I have had my dog insured by Embrace since May of 2008. I recently submitted my first claim and had to submit records from each of the veterinarians that he had been to. It was a bit of a hassle, but understandable and the communications via email were excellent during each step of this process. Once Embrace had all of the information they requested, they told me that I would hear from them about my claim "within 15 business days", but after a month without hearing a word, I emailed them to find out my claim status. They were apologetic and said that they were expanding their claims department at the time which caused the delay. Two days later, I got my answer, my claim was denied due to pre-existing condition. I purchased a policy with Embrace because of their high customer rating and I will be curious about how future claims are handled. Overall, Embrace customer care is very good and caring, just a bit slow at this time. I would recommend Embrace.

We have a one year old Bernese Mountain Dog. He became very ill with lyme disease. Our local vet , on our first puppy visit with him , highly reccomended ASPCA Pet Insurance. Thank goodness!! The bills were over $2000, as he was in ICU for a week. We received a check from ASPCA within a month of our claim. My daughter and I thank you with all our hearts for commitment to pet parents !! We have recomended your insurance to all our friends. I own a flower shop in a very nice shopping area that also has a wonderful pet store. They also tell people about ASPCA Pet Insurance. Again, thank you for being there for us.

This was my first claim with the company. I received an email telling me to expect to hear from them within 15 business days, but heard nothing from them. When I called after 19 business days, they aplogized for the delay and processed the claim within 45 minutes. They did approve the claim and pay as expected in the policy, telling me to expect the check with 10 business days. After 12 business days I called to learn that they had sent the check to the wrong person and would be sending out another check. Today, almost 2 months after my pet's hospitalization, I received the check for his coverage.

They have different plans to choose from. There's a $100 deductible followed by 80% coverage. Covering medicines requires a higher plan. We went with the advantage plan which does not cover the medicine however covers everything else including everying in an annual checkup. You download the claim form off their website, you then either mail, email or fax it in. You can see all the claims you have submitted on their site as well as track the reimbursments. Also they pay in a couple of weeks. We have had no problems at all and are very pleased.

I have the safety plan accident coverage for each of my three dogs. While I know it will not pay everything, in an emergency getting some of the costs paid - especially for a monthly premium of just over $9.00, can be a big help. Last week my friend almost lost his dog because it got into the trash and ate something - they could not afford the surgery and thought euthanisia was the only option. Fortunately other friends came to his aid and paid over $3000 for the surgery. I've told him and every friend and family member I know about the excellent value of the ASPCA safety plan to cover accidents like that. Having at least part of the those costs covered could be the difference between life and death for a pet.

I can't begin to say how happy we are to have Enbrace as our pet insurance. About two years age we brought home a beautiful 9 week old Akita pup and having had some large bills from other dogs we have had we decided to look into pet insurance. After doing some research I spoke with the people at Embrace & decided to give it a try. Less than two weeks later the unbelievable happened. Our pup was running along the fence in our back yard whenour neighbor's large dog got his head partly under the fence and got ahold of Storms right front leg and tried to pull him under it. My husband was right there and had to climb over the 6ft. fence and beat the dog to get Storm free. The leg was mangeled just hanging by a little piece of skin and meat. We rushed him to the emergency clinic and after he was stabelized, the did some surery to be followed by 4 more surgeries over the next months. We paid the bills and sent the claim forms to Embrace and THEY PAID just as they said the would. They were wonderful. We got to know the staff pretty well over time because they called and e-mailsd to check or Storm. It was an uncertain time for us, but they stayed right with us and let us know they cared. I couldn't believe that they paid those claims. We didn't even have a copy of the policy when the accident happened. Storm is now 2yrs old and is a happy, beautiful four legged boy. He plays with his sister Libby and is just a geat big 120lb clown. We would have had Storm's surgeries even without the insurance, but Embrace sure made things easier for us. They did exactly as they said they would and more. They paid and they CARED.If they had people insurance, we would be first to sign up!

All of my 7 claims that I had with my two puppies have been received and refunded appropriately. Every time I call customer service or email, I always receive kind customer service and accurate information that I am asking about. Thanks Aspca Pet Insurance

There is nothing outstanding about Pets Best. I've had my 2 dogs insured since I've had them (2 years). Seems like I might have made the wrong decision when I chose Pets Best. I have given them several opportunities to "help" me want to stay a customer - but each conversation with them is friendly yet ineffective. I like the simplicity of their plan - it's pretty straightforward about percentage payout, you get to use your own vets; but - they seem to be "overloaded" with paperwork and behind the 8 ball. I originally faxed my claims to them on 8/21 and got a fax confirmation. There is no where on their site detailing the procedure for handling claims. The only thing I could see is to wait 10-15 days for processing. Apparantly, once you call they tell you that you'll receive an email confirmation once it has been received. I wished I could have read that on their web-site ... It would have saved me 2 weeks of waiting patiently. I emailed my claims in again, expecting the email - and that took over a week to get. Despite my calls to check that they've been received. So now it's 3 WEEKS later and I still can't get a real confirmation that my paperwork has been received. WEEK 4 - I finally get the emails that they have processed the claims - and most were correct, except one. So when I call again - I am told I have to file an appeal. They just left charges off - so should I refile those charges? or file an appeal and wait ANOTHER month to hear back about the appeal. What if they tell me then that I have to refile the claim because they left off some charges. Is that going to take another month to refund??? SHOULD IT TAKE THAT LONG TO GET RESOLVED?