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It takes over a week after i submit the claim to receive communication about it. There is alwasy the excuse that there has been an overwhelming number of claims. Then they invariably state they need to get more info from the service provider. The service provider tells me they turn the info over in 24 hours. Then I wait another week.This is for the exact same medical claim type (hydrotherapy) over a period of a year. I think Pets Best needs to hire more staff.

After 30 year having numerous dogs and cats, I 'finally' learned a valuable lesson! I could no longer handle the expense, especially now that I'm on old age pensions! My Chihuahua, Teeko Julio, recently needed his teeth cleaned! And because of his 'Alopecia', I decided it was time to investigate the cause further, so they did 3 biopsies. He had 12 extractions, including 9 , central incisors. UGH !The total cost would have been over $1500.00 I could never have afforded this amount! The costs re: Alopecia were not covered because it was a pre existing condition. I only paid about $900.00, this incl. my $250.00 deduction. I was so pleased. Toy dogs are really prone to bad teeth, gum disease etc. Now I'm learning to brush his teeth---what a difficulty, but I must do this for both of our sakes!

After 30 year having numerous dogs and cats, I 'finally' learned a valuable lesson! I could no longer handle the expense, especially now that I'm on old age pensions! My Chihuahua, Teeko Julio, recently needed his teeth cleaned! And because of his 'Alopecia', I decided it was time to investigate the cause further, so they did 3 biopsies. He had 12 extractions, including 9 , central incisors. UGH !The total cost would have been over $1500.00 I could never have afforded this amount! The costs re: Alopecia were not covered because it was a pre existing condition. I only paid about $900.00, this incl. my $250.00 deduction. I was so pleased. Toy dogs are really prone to bad teeth, gum disease etc. Now I'm learning to brush his teeth---what a difficulty, but I must do this for both of our sakes!

The Embrace team is fantastic. My dog had surgery, and Embrace was on top of all of my claims and their customer service was fantastic. I would recommend them to everyone.

It has been our experience that Trupanion will stall as much as possible and do as much as possible not to pay out a claim. We first contacted Trupanion to request that a CT Scan for our dog be pre-approved - BIG MISTAKE!!! Because (pre-scan) dysplasia could not be ruled out, we had to pay upfront for the CT Scan. It took two months to get this confirmation from Trupanion that the Scan could not be pre-approved upfront. In the interim - we had to watch our dog struggle and were eating the cost of regular anti-inflammatory pills. In early February 2016, a CT Scan and orthopaedic vet confirmed that our dog had an acute injury (no evidence of dysplasia whatsoever) treatable by orthopaedic brace (which has corrected his limp completely and he will only need to be wear it for another 2 months). We forwarded the full package with report and invoice the very next day to Trupanion and it is now April and every time we call Trupanion for a status update they give us another excuse as to why they cannot make payment - i.e. we need to translate the documents, we need another report from your vet to populate his file for a completely unrelated injury from three years ago (which has nothing to do with the present claim)etc.....it is amazing to me just how far they will go to try to avoid payment - i.e. connecting lethargy from a throat infection from August 2016 to our dog's acute injury from late October 2016. To be honest - we would of been better served creating a savings account for this purpose. We are really disappointed in the way our file has been bumped around and neglected. I don't know whether this has been the experience for others - but in my experience the 100$ we pay a month is not worth this aggravation.

It has been our experience that Trupanion will stall as much as possible and do as much as possible not to pay out a claim. We first contacted Trupanion to request that a CT Scan for our dog be pre-approved - BIG MISTAKE!!! Because (pre-scan) dysplasia could not be ruled out, we had to pay upfront for the CT Scan. It took two months to get this confirmation from Trupanion that the Scan could not be pre-approved upfront. In the interim - we had to watch our dog struggle and were eating the cost of regular anti-inflammatory pills. In early February 2016, a CT Scan and orthopaedic vet confirmed that our dog had an acute injury (no evidence of dysplasia whatsoever) treatable by orthopaedic brace (which has corrected his limp completely and he will only need to be wear it for another 2 months). We forwarded the full package with report and invoice the very next day to Trupanion and it is now April and every time we call Trupanion for a status update they give us another excuse as to why they cannot make payment - i.e. we need to translate the documents, we need another report from your vet to populate his file for a completely unrelated injury from three years ago (which has nothing to do with the present claim)etc.....it is amazing to me just how far they will go to try to avoid payment - i.e. connecting lethargy from a throat infection from August 2016 to our dog's acute injury from late October 2016. To be honest - we would of been better served creating a savings account for this purpose. We are really disappointed in the way our file has been bumped around and neglected. I don't know whether this has been the experience for others - but in my experience the 100$ we pay a month is not worth this aggravation.

I'm very pleased with my experience with Embrace. After an entirely negative one with Trupanion whose sole mission seems to be not to pay for anything, Embrace seems to do just what it says it will do. I submitted claims for my cat who wasn't eating & required a number of vet visits which quickly became expensive and I was pleasantly surprised that Embrace reimbursed me for an appropriate amount of the expense. I've already recommended Embrace to friends and family. Nice to have a positive experience!

I have been with Embrace for 6 years. They are truly the BEST! They pay their claims in a timely matter. Just took Roxy (My Dog) in for her Annual Checkup and had an ear issue at the same time. Within 10 Days I had my claim taken care of and paid. Love this company!

I'm on our third year with Embrace and I can't imagine why it took me so long to get it for my pets. Best decision I ever made!!

Our three year old Labrador retriever contracted Blastomycosis which is a serious fungal infection of the lungs. His treatment plan is very expensive and could last for 6 months. Embrace has been with us every step of the way ... diagnosis, X-rays, antigen tests and very expensive medications. The Embrace Reps are very knowledgable and compassionate. Honestly do not know how we could get through this with the team at Embrace.