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ive been with apsca since 11/08 and i think the coverage is great. i mean they do have that sucky "reasonable costs" clause but from the comparisons ive been doing every company has the same thing. The thing that i like most is that you can add extra coverage called continuing care...(something i dont remember exactly what its called) but i got that for an extra like 9 bucks a month and that makes it so i dont have to worry about taht 180 days thing everyone keeps talking about. Maybe that would help some other people if they were to look in to that? Other than that i dont think its bad at all.

I am so happy with the service & fast turn around of claims that Pets Best has provided! When my oldest dog needed a splenectomy several weeks ago, I was so relieved that I had a Pets Best policy to reimburse the expense of his surgery. Boz's outcome may have not gone as well if I didn't have this policy to rely on. I faxed the claim on a Thursday evening and received my reimbursement check in the mail on the following Wednesday! I am a veterinary technician who works in the ER of a specialty hospital & I see so many pets that do not get the care that they need because their owners can't afford it. I highly recommend Pets Best to our clients & my coworkers every chance I get. Thank you!

Embrace has been absolutely wonderful to work with. The wellness plan claims have been processed almost immediately, I definitely did not expect such a fast turn around.Our puppy is somewhat of an "unlucky" puppy. It doesn't seem to matter what kind of precautions we take, he always manages to have something wrong with him. Embrace has handled every claim quickly and efficiently. They always ask how our baby is and make sure that all my questions and concerns are answered. My only advice is to read their website in its entirety (just as you should ANY insurance company, for yourself or your pet). They tell you that they need your pet's health records and what isn't covered. If you have questions before you sign up, ask them! They are very friendly and helpful. They helped me customize my own plan for my puppy. I have not one bad thing to say about them.

With most insurance companies of any kind, processing claims is inconvenient at best, but with Embrace, it was not only painless, but an all around pleasant experience. They were helpful, responsive, and really proactive about following up with me to help make sure the claim was processed as quickly as possible. There's no doubt in my mind that I'd use and recommend Embrace to anyone in the market for pet insurance.

Embrace covered an injury that most other pet insurance companies deem "genetic" (even though my dog's injury was caused by an isolated accident) I was given frequent email updates by the company letting me know the status of my claim and it was processed fairly quickly. Thank you, Embrace!

We have a a Golden Retriever named Macey who until March of 2009 was rock-solid healthy. During the summer of 2008 our daughter's dog who was insured with Pets Best became very ill and the insurance plan paid off big time. Our daughter advised us based upon her experience to insure our dogs with Pets Best and we are glad we did. In March of 2009 Macey was diagnoised with IMHA a type of anemia which can be deadly. We caught it in time. Pet's Best allowed us to save our dog because they paid $7,500 on a premium of $350 paid the summer before. Had we not had the insurance we would have had to put the dog down. I am only sorry that we did not go for the higher level of coverage which would have been about $10.000. As of today 11-4-09 Macey is in full recovery.

I recently purchased Embrace plus Wellness Plan, for my 2 year old Newfoundland puppy. As a giant breed, there are known hereditary issues that I knew my girl might come across as she aged and was looking for a plan that covered possible hereditary issues.I had an Orthopedic exam performed on 10.24,09 and submitted the completed exam to Embrace to reduce the 6 mo waiting period prior to coverage for any Ortho disorders - we received clearance for her waiver on 10.26.09, over the weekend. I also submitted the bill for the exam on the 10.24, and was informed today, 10.30.09, that it has been processed and paid according to her Wellness portion of her benefits. I also had my vet submit her complete medical history to Embrace to get a better understanding of any "pre-existing conditions" that might come up within the next year that they might not cover. But so far, so good! I have read my policy from end to end more than 20 different times to fully understand what is deemed "pre-existing","behavioral" etc. Embrace has been on top of all my concerns and has been in constant contact with me regarding the process. I will update after I hear back from them regarding the medical history review.

Our 7-year-old Golden Retriever suddenly became sick the first part of October. We had to take her to an emergency pet hospital, our vet, and also to a critical care/internal medicine vet. Needless to say, the costs kept rising. We wanted to do everything we could to help our Golden. But they finally found out she had somehow gotten liver disease and we had to put her down. Pets Best customer service was very helpful and kind and took care of all claims in an extremely efficient manner. We thank them and will be sure to recommend them to anyone with a pet they care about and we have already recommended Pets Best to our friends.

I have two Shih Tuz's and one had to have metal plates in his front legs and they claimed it was a hereditary condition age 1 1/2 and then the other one had a scratch on her eye which got infected and almost lost her eye and ASPCA called that hereditary age 1 1/2 so there was never any payments made even for the hospitalization that was required because they said it was boarding costs. I would definitely not buy this insurance and I have canceled after one year with $0 money ever reimbersed.

We bought a purebred puppy, and thought pet insurance might be a good option, even though we have never had it before. I found Embrace online, and liked the optional illness and dental protection options, so I signed up. Good thing I did, as our puppy became very ill and had to see several specialist veterinarians; she has a rare metabolic/ muscle disease. Embrace has been great and has covered her bills, but the best thing about them is the customer care. Embrace reps. follow up to ensure I receive payments from them, and have sent kind words for my dog in emails along with my EOB's. I would highly recommend Embrace to anyone looking for quality insurance and compasionate customer serivce.