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We have two policies for our Papillions. Over the past 7 years we have submitted numerous claims and relied on our policies to reimburse us for covered illnesses and injuries. We selected the $250 deductible w/90% coverage. Pets Best has always reimbursed us within 7 days. Last week we were reimbursed $4400 for a claim related to our dog's back surgery. There were no questions asked, no complicated forms to fill out; we simply submitted a claim, uploaded the bills, and awaited reimbursement. Six days later, we were compensated. If you are considering pet insurance, I assure you that you will find peace of mind with Pets Best.

I'm very satisfied with Embrace. There customer service reps are very helpful and their turnaround time on claims is outstanding. The wellness program is great because I use supplements vs prescription medications from the vets and this is also covered. I would recommend the any day.

One of Trupanion's number one marketing claims is that you only pay a deductible ONCE PER CONDITION. Well today I found out that that is not actually the case. My cat had a dental with extractions in 2014 and the CONDITION that he has that causes his teeth to need to be extracted is Feline Odontoclastic Resorptive Lesions. This is a genetic, immune mediated condition that cats get and have their whole lives. Yesterday, I sent in a claim for another a dental with extractions, the reason he needed extractions this time? You guessed it! Feline Odontoclastic Resorptive Lesions.. so I was absolutely shocked when it came back as being applied to my deducible. Applied to my deductible?!? I already paid that back in 2014. When I called their customer support number, the girl on the phone told me that it "was like having an ear infection 3 years apart from each other, they aren't actually the same condition". Well as Registered Veterinary Technician I say that is 100% BS! Anyways, I am waiting for someone to call me back but I suspect I won't get anywhere with it. I though Trupanion was different but apparently they are just like all the other insurance companies out there. Do yourself a favour and do what I should have done.. work out what your monthly premium would be and put it into a high interest savings account.

One of Trupanion's number one marketing claims is that you only pay a deductible ONCE PER CONDITION. Well today I found out that that is not actually the case. My cat had a dental with extractions in 2014 and the CONDITION that he has that causes his teeth to need to be extracted is Feline Odontoclastic Resorptive Lesions. This is a genetic, immune mediated condition that cats get and have their whole lives. Yesterday, I sent in a claim for another a dental with extractions, the reason he needed extractions this time? You guessed it! Feline Odontoclastic Resorptive Lesions.. so I was absolutely shocked when it came back as being applied to my deducible. Applied to my deductible?!? I already paid that back in 2014. When I called their customer support number, the girl on the phone told me that it "was like having an ear infection 3 years apart from each other, they aren't actually the same condition". Well as Registered Veterinary Technician I say that is 100% BS! Anyways, I am waiting for someone to call me back but I suspect I won't get anywhere with it. I though Trupanion was different but apparently they are just like all the other insurance companies out there. Do yourself a favour and do what I should have done.. work out what your monthly premium would be and put it into a high interest savings account.

My beloved 11 year old Standard Poodle, Merlin suddenly developed a melanoma on his gum which required extensive immediate surgery and follow up vaccines. I am retired and live on a comfortable but fixed income. If it weren't for Embrace I would be in a financial pickle right now. Instead, I do have Embrace Pet Insurance and I am happy to say they paid 80% of the over $7,000 vet bill. They were helpful when I called to inquire about coverage and the claims were processed and my checks received in a very reasonable amount of time. Thank you Embrace. Merlin has recovered from the surgery and is thriving, happy and once again healthy.

I bought accident insurance for my 4 month old kitten. The poor kitten fell from the ground floor to the basement. He could not stand on his left hind leg, blood was coming out of his nose and he was in pain. We rushed him to the vet ER. Because the vet report says his presentation was "limping", Pets Plus Us denied the claim saying that it is not obvious it was an accident. Really!? Save yourself some grief and your business elsewhere. They do not deal in good faith. Do not insure with Pets plus Us.

I am so grateful to insure my pet with Pets Best Insurance. The filing of claims is simple; their acknowledgement is immediate; their response to a final disbursement is explained in detail; the staff with whom I had contacted is courteous and helpful, and finally, their reimbursement is assured.

Embrace is the best pet insurance I have had. We adopted two English Bulldogs, a male and a female. The male is fine. But the female has had a series of difficulties with her eyes and skin allergies. Embrace has been responsive and fast in approving her vet bills. The last pet insurance company I worked with was terrible. They took forever to pay a claim; they questioned legitimate vet bills; they did not pay for many normally covered conditions. Embrace does what it say it will! What you see is what you get!

My Lhasa Apso, Bailey, is a rescue. when I adopted him five years ago it was questionable if he would be able to be adopted. He had been doused in kerosene and set on fire and had many issues. On the day I adopted him I signed him up for ASPCA Pet Insurance and have never regretted the decision. I am pleased with the contract I chose and appreciate the claim processing procedure.

I highly recommend Embrace. The claim process is easy, and they are always very efficient in responding back. The policy rules are very clear, as well.