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When I call with a question, the CS staff are always friendly, patient, and knowledgeable. I appreciate the Superior customer service!

After 10 years without claims, insuring two dogs at a time, and not always the same two (they come and go), I finally submitted a claim for $240. After the $100 deductible, I called about the "co-insurance" of 20% ($48.00). What's the deductible for then! I get $92.00. They get $148! I paid about $12,000 in premiums over the ten years, and the only other accident claim I submitted 5 yr. ago (dog broke a tooth trying to chase a squirrel under the fence) they refused to pay b/c it wasn't "on the list of perils". Don't bother with insurance! If you have more than one dog, just self-insure. It will be cheaper in the long run, by a lot! I give them a "2" b/c at least they paid something, but I cancelled the policies, and I will self-insure from here on in.

My cat, Stormy, is generally heathly but getting a little older. She's had some dental and skin problems but nothing dramatic. I am reassured having pet insurance for her - just in case. My other cat, Thunder, died of IBS a couple years ago. It came on rather suddenly and he was sick for several months before he died. If I didn't have ASPCA pet insurance, I would have had to get a second job to pay his vet bills. ASPCA is a respected company and the pet insurance is good quality and priced right. Thanks.

My cat, Buttercup, was stung by a scorpion, and she had a frightening neurological reaction to it. Her head was twitching, her pupils were big as saucers, and within a short period of time she lost the ability to walk. I rushed her to an emergency clinic (of course, the sting occurred after hours) where the treatment was extremely expensive. It seems that a reaction to a scorpion sting is a very unusual occurrence for a cat, either because most cats are immuned to scorpion venom (as many believe) or because they are usually quick enough to avoid stings (my vet's hypothesis). The emergency clinic vet was concerned that Buttercup's reactions were severe enough that she wouldn't make it through the night without proper treatment, but it was difficult to find anyone with the experience to know how to treat her. Antivenom is apparently not available, at least not for pets. After some searching, a common dog treatment was found and used on Buttercup and she responded to it. It still took her several days to recover enough to be able to walk more than a few steps at a time, but she was fully recovered after a couple of weeks.Needless to say, all of this required a lot of expensive treatment, even after I was able to check Buttercup out of the emergency clinic and take her to my usual vet. She required monitored care for several days. I kept all the receipts from all her treatments and medicines, and I received care notes from the vets who cared for her. Completing the cla

This is my first experience with Embrace and so far it has been exactly what was promised. The claims process has been easy and reimbursement timely. I am very satisfied.

MY DOG WAS ATTACKED BY A PIT BULL AND I SENT IN THE CLAIMS, AND PET BEST INSURANCE WAS VERY PROMPT TO MAKE PAYMENTS, AND BEST OF ALL THEY REALLY TAKE THEIR TIME EXPLAINING THE BENFITS THAT I HAVE, I WOULD RECOMMEND THEM TO ANYONE, TO MY FRIENDS, THIS IS ONE COMPANY I TRUST VERY MUCH, THE PEOPLE THAT WORK THEIR ARE VERY WONDERFUL, I'M SO HAPPY I HAVE PETS BEST, I WILL BE WITH THEM FOREVER LOVE YOU

While their customer services reps are very very nice, that doesn't in any way mitigate the fact that they raised my dog's monthly premium by 33% and my other dog is set for the same increase when her premium hits the 12 month mark early next year. While I expect modest yearly increases, no amount of justifying can explain this rate increase. In the 12 months I've had my dogs insured with them I've not made one claim. One customer service rep made it sound like the rate increase was specific to CA, but I am on a breed-specific board and I can tell you, the rates are going up by leaps and bounds all over the 50 states. I switched my dogs to Healthy Paws, which is based on the same model as Trupanion. I had assurances from them, verbally and in writing, that yearly premium increases are in the 5% - 7% range.

Pays a good portion of the big costs.

This isurance has been a life saver. I have had to us it alot and they alway come through, with out any problems. I am so glad I went with Embrace. Can thank You enough.

Embrace is great at processing claims and has a quick turn around. My recent wellness claim was submitted, approved and I should receive my check, all within a 7-10 day period! In order to have this expedited process you are required to submit, to my knowledge for all claims, a claim form that is unique to your pet. You can't just print a generic one like in the past and fill in your pet's information. You do have to go the website to print one. But it is not the end of the world for the extra step, because my refund should arrive to me shortly.