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I am a little disappointed that the rate go up every year but I am sure costs go up too. Maybe consider a rebate if claims are less than X % of annual insurance costs, etc? Kind of like USAA? I think your service is easy and I am happy to have insurance on my kiddos. Just gets expensive when you have 4 dogs.

Nicole was honest, kept it real and provided some options for me to help with costs.

This is a great dog insurance . Love it

I have been with Nationwide before it was Nationwide. Don't think twice about insuring your pet because they are extremely proficient and fair. My dog is now 13 and is getting the quality care he deserves because he's insured...!!!

Working with Bob and the individuals at ASPCA has been a breath of fresh air. I know Chief is in good hands with them on his side.

Our little Caesar had a surgery in an emergency room after he got injured badly in an accident. Embrace was faithfully there to help us throughout the process from contacting the veterinary to submitting the claim. We had a trouble with our emergency veterinary, but Embrace dealt with them for us. Thanks, Embrace. Embrace is the right choice.

Our Weimaraner Tess has been insured with EMBRACE since we rescued her at a year old. She is now 10 1/2. Overall she has been healthy with the exception of weak hind legs/spine, from being tied up most of her first year of life. She's had a knee rebuilt and gets regular spine adjustments (VOM) now. Embrace has ALWAYS been so attentive to questions and FAST at processing claims. If only human health insurance processed claims as efficiently!! We LOVE Embrace! We have accident/illness coverage and the only reason I gave them "9 paws" out of 10 is that our premiums are pretty hefty now that Tess is a senior dog. BUT I understand claims are inevitable the older a dog gets. Thank you Embrace ~ we are thankful we found you in 2008!

I can always count on Pets Best to get a quick claim review and they are very reliable to pay claims as I would expect. They do a good job of explaining to me what is covered and what would not be and why.

We had an emergency trip to the vet for our 4yo GSD who was a rescue. Everything was covered exactly as we expected according to our selected policy and its underwriting terms (of which I read every word because I don't like surprises). The submission process was simple (upload required docs online and you're done). We received notice of direct deposit having been sent 3 business days after our final docs* were sent in. *The only delay was between initial submission and Pets Best requesting 12mo vet records - as we had just adopted about 4 months ago, we didn't have 12mo of records. The fix for this was simple enough so our delay was miniscule. Even with this tiny (but understandable) delay, we were 10 calendar days from submitting a claim to payment being sent. Logistics aside: it was PRICELESS to not have to decide anything at the Emergency Vet. Knowing that we were covered no matter the cost made it much easier handle the whole emergency.

I enrolled my beagle puppy in the health plan and the wellness plan. So far, it has exceeded my expectations. The claims process is seamless and the service is incredible. Couldn't be more happy.