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This is my best choice and experience.

We purchased Embrace for our puppy because we want him to be a part of our family for a long time. We submitted a claim for wellness at the same time we submitted his physical and it was paid immediately... No wait time as advertised. It was an easy process. I hope we never need to use this insurance other than for wellness but I am so glad that we have it just in case the unexpected happens. I feel confident that Hutch will be taken care of free of hassle.

On June 14 I submitted the first set of claims for my dog Cody's recently diagnosed IMHA. I woke up this morning to 3 different claim approval emails approved/processed for Direct Deposit. There are others not yet processed, but the biggest ones are being reimbursed as I type this review. I'm impressed with the speed with which they were processed this time around. The last time I needed to use this policy was in 2014. If I recall correctly, it took about a month for those two claims to be processed and paid. This time around, an 8 day processing time for MUCH, MUCH bigger claims and no requests for additional information were made! I've read thru some of the other reviews on another site, I take most with a grain of salt as many of those review writers did not seem to read the fine print before subscribing to Pets Best Insurance as their provider. I haven't ever seen a pet policy that allows for coverage of pre-existing conditions or that will cover illnesses within a few days of obtaining the policy. If they did, what's to stop customers from buying insurance at the first sign of illness, then waiting a couple of days to take them to the Vet just because they think they now have coverage. To me, those people are either not too bright or they're just trying to game the system. My recent experience with Pets Best has been seamless. Submit bills, add an explanation and discharge papers from the vet and things are processed/paid in a timely fashion. Submit incomplete paperwork and/or try to claim something that is explicitly excluded in your policy and it's denied. It's that simple. Reading for comprehension goes a looonnnnggg way toward utilizing these policies as they are intended. It sucks that my dog will have ongoing medical expenses for the rest of his life, but i'm happy to have this policy with Pets Best to help me thru the bills.

I have sent the necessary documentation several times I get the same response. I have called several times and get the run around about why my claims are not being paid even though the customer service representative assures me that they will be. This has been a sham and I am angry that USAA would recommend such a lousy service to members. Perhaps I am the one bad experience here but something tells me I am not. If you are shopping for pet insurance, I would keep on shopping past Embrace.

I have had pets my whole life and never had insurance for them. Very happy I got this for both my cats. Staff was very helpful on the phone, as I have eye issues and need a bit of help with the claim forms. Just received my reimbursement for an issue for one of my boys, and it was processed quickly. Confident Trupanion will be there for me should I need them again.

I have had pets my whole life and never had insurance for them. Very happy I got this for both my cats. Staff was very helpful on the phone, as I have eye issues and need a bit of help with the claim forms. Just received my reimbursement for an issue for one of my boys, and it was processed quickly. Confident Trupanion will be there for me should I need them again.

After taking my dog in several times for bladder infections, my vet recommended Trupanion pet insurance. The best thing I ever did!! Amazing customer service. They take the time to listen and address all your concerns. I accidentally threw away a refund check and they were gracious enough to reissue it for me. I doubt that would happen with another company. I recently added my other dog to my policy as well. Love this company!! Woof!

After taking my dog in several times for bladder infections, my vet recommended Trupanion pet insurance. The best thing I ever did!! Amazing customer service. They take the time to listen and address all your concerns. I accidentally threw away a refund check and they were gracious enough to reissue it for me. I doubt that would happen with another company. I recently added my other dog to my policy as well. Love this company!! Woof!

I've had VPI for all of my dogs since 2003. Prior to Nationwide purchasing VPI, I would have recommended them o anyone. One of my dogs had a stroke and needed rehab out of state for three weeks, and they covered most of the cost. They also covered a lot of small injuries over the years. In the last year, they have not reimbursed for 1 claim. Each time I submit, I get a response about a month later saying they can't read the vet bill or they need more documentation. It's not possible to send them an xray, but they are authorized to call the vet and learn what they need to substantiate the claim. However, they don't do that. They just seem to find any excuse not to pay what they would have paid prior to Nationwide purchasing VPI. It's really sad. I'm giving them one more shot in submitting a claim today for an eye surgery for my senior dog, and we'll see if I get the same runaround. If I do, I'm cancelling my plans after over 10 years of being a customer.

I have 2 dogs covered with Pets Best. I have had numerous claims with each over the years and they have consistently responded quickly and fairly. Thank you!