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I have been very happy with Embrace for the past 2 years. The claims are easy to understand, clearly explained and the refunds issued extremely quickly- they are better than my own health insurance- much easier to navigate and I know exactly what is involved because of their precise easy to understand communications- thanks to Embrace I can rest easy bringing my rambunctious Weimaraner in- what ever she gets into-

I have been with this company for over 7 years now - ever since I got my dog. At first they seem very reasonable. They process claims quickly and the prices are budget-friendly. At first. BUT, after about the fifth year they began to raise their rates dramatically. They say it has to do with industry standards, age of the pet, location etc. They offer higher deductibles to try to compensate, but they do not offer any sort of loyalty pricing for customers with them for any length of time. If you do choose this company for your pet ins. needs be prepared to get HAMMERED after the first few years. They get you comfortable with them and then its all bets are off. Feels a lot like bait and switch. Would not recommend.

Covered around 90-95% of vet bills for my dog's fractured leg!! Had to go to 2 different vets and most of the bills were covered including $500 of the $700 X-ray bill and almost the entire $1100 bill for the actual tibial fracture repair and the subsequent follow up visits!! Definitely was surprised by the amount they did cover and would highly recommend them to anyone looking for pet insurance!!

We have an Olde English Bulldogge who gets picked on by alpha-dogs of any size, unfortunately. Every time we have had to go to the vet for nips at the park or just regular check-ups, Embrace has always provided the best support! We pay for the highest tier plan and have never considered changing because the reassurance of having Embrace behind us for any surprise events or just general well-being has always been fantastic. No issues with them ever-- we highly recommend!

All personnel we dealt with were very helpful. Every one was happy to answer all our questions.

All personnel we dealt with were very helpful. Every one was happy to answer all our questions.

My cat recently had an accident in which she fractured her hip bone. The cost was over $3k but Trupanion really pulled through in covering most of the costs. I wouldn't have known what to do if I did not have insurance.

My cat recently had an accident in which she fractured her hip bone. The cost was over $3k but Trupanion really pulled through in covering most of the costs. I wouldn't have known what to do if I did not have insurance.

We signed up for Health Paws Insurance coverage when we first got our puppy not thinking we would need the coverage until he was much older. As it turned out, our poor Border collie started limping and was subsequently diagnosed with Bi-Lateral OCD in both shoulders requiring surgery to correct the problem. Health Paws has been wonderful in every respect! The claims were very simple to file, the processing time was very short and the payment prompt. The agents we talked with were all very friendly, empathetic and helpful. I have no hesitation in highly recommending Healthy Paws Insurance to anybody that is looking for pet insurance.

Under no circumstances should you do business with Pets Best. I'm caretaker to a 9-year-old chocolate lab. I paid in excess of $700 this year for an injury-only policy with a high per-incident deductible ($250). This bought me a policy with a $2,500 "per incident cap," which should be satisfactory for most issues your dog will encounter. Virtually every interaction I've had with Pets Best has been an ordeal. Usually, it's the typical insurance-company stuff about a demand for more records that you've already sent, but this summer they've taken unprofessionalism to new heights. On its Web site, the company says most claims are addressed within 10 business days; that's false. In June, I submitted a claim for my dog's recent ligament surgery. After waiting in excess of three weeks for a response, I called and asked for a supervisor, who told me: "Oh, I think it was being handled by a trainee. We'll make sure it's expedited." OK, I understand, everyone gets busy around the holidays, so ... About 5 minutes after I was off the phone with this rep (Brynn) I received an e-mail from Pets Best saying they'd contacted my vet for more information ... after they'd been sitting on the claim for weeks doing nothing--and after I'd confirmed twice that they already had the 1 year's worth of records they'd previously asked for. Delay, delay, delay. Finally, Pets Best agreed to pay a portion of my most recent claim, but withheld a full $1,000, claiming they had paid out on a "related condition" earlier in the year. Untrue. Their claims adjustor conflated two conditions that the vet clearly stated were separate, and I am now forced into an appeals process. Even more beguiling, when I called back to speak to this rep, she acknowledged that she hadn't read my claims. Stay away from Pets Best. They're liars and cheats. A responsible state government would be investigating them by now.