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I took my one-year-old cat to the vet in February of '09 because she had the runs, and I just wanted to be sure that everything was okay.Embrace denied my claim, saying that she had a pre-existing condition. The only other time my cat had seen the vet was when I brought her home for the first time, and I had her completely checked out by my house calls feline internist. At that time my cat had slightly loose stools, probably caused by the stress of moving, new food, or being in a new environment. It went away, untreated, in about a day. To say that this trip to the vet 11 months later was a "pre-existing conditon" is pure fraud. I've attempted to cancel this policy because I don't believe that this is an ethical company. In fact, I have not even received the written confirmation of my cancellation that I requested! I would hate to make a serious claim after having had this policy long enough to have paid Ms. Bennett or Embrace insurance many thousands of dollars, only for them to find some way to deny it. Better to find out now and move on.

We added a Saint Bernard puppy to our family almost a year ago and discussed purchasing insurance. I did a little research and came across Embrace. Having a "giant breed" dog, I knew we were probably going to be looking at potential problems as she aged. In December, I chose Embrace because I thought they would be a good match since they would cover genetic conditions, unlike some of the others. Little did I know how soon we would be encountering problems. A few weeks after taking out our policy, our puppy had her first real "playdate" and began encountering obvious pain later that night. A few days later she was scheduled for sedation for another minor procedure and her vet recommened x-rays of her hips while we were there. The results were devastating-bilateral hip dysplasia in our 10-month old baby. We were told she wouldn't be able to walk by the time she was 2. Fast forward to now-she has already had a triple pelvic osteotomy on one of her hips (which was not cheap) at a specialty facility more than 100 miles from home and is recovering beautifully! Embrace has been absolutely wonderful during this process. They have processed our claims in a timely manner and their customer service has been very pleasant to work with. I would recommend Embrace to anyone considering insurance for their pets. Thanks to Embrace, our "big" puppy now has a chance of living a normal life!

I am a first time pet owner. I had no clue where to even begin when researching for an insurance company. My vet - Irvine Vet. Svcs recommended insuring my pet through Pets Best. Not only is my vet the best, but they certainly recommended the BEST pet insurance co. My puppy had a recent gastronomy for ingesting a foreign object. I had to pay almost $2,500 out-of-pocket, but when I called Pets Best they said this procedure is covered and that I would be reimbursed 80% with an average turnaround time of less than two weeks. The turnaround time alone is unbeatable. Aside of the benefits that come with being a member, what I found most important was that each time I called to check status on my claim, a very friendly, professional rep would answer all my questions. I told her...folks from Idaho must ALL be so very nice and courteous. It's so hard to find good customer service these days...and hands down...Pets Best offers first class / five-star service.

Dobie is a 6 year old terrier mix who managed to rupture a disk in his back. Injury happened on/about Jan. 22. I had full coverage reimbursement, final check on March 2!! Dobie needed back/spinal surgery and you just can't go to the doc down the street for that. We ended up at the Vet Neuro Center......and of course the best and most expensive place in town. Dobie has a puppy mill rescue sister and breaking in a new buddy was just not in our plan so we got Dobie fixed, and they did an excellent job. The "Embracers" checked on us via email regularly (which is right up my busy alley) and did an outstanding job in caring for us and paying our claim. Dobie is out of claim money for the year, but promises to behave until at least next year.

Embrace does a really great job of following up with you to make sure you get everything in they need to get you started filing claims. Sounds great right?!?! Too bad they will not cover anything that could REMOTELY relate to any treatment given to your pet prior to your policy with them. So, if your pet has taken an allergy pill before they will not cover any subsequent allergy problems. Don't fall for it like I did!

I switched from VPI to Embrace after VPI refused to insure my year old Aussie because of IBD. Though his condition is excluded, Embrace had no problem insuring both my dogs, and it's a good thing! About a month after joining, the same dog was diagnosed with heartworm, which he contracted prior to me getting him. Embrace has been wonderful in responding to my inquiries and in sending the reimbursements with best wishes for a his speedy recovery. All of my emails are answered quickly and the agents are a pleasure to talk to. Definately the best choice in my opinion.

I RESEARCHED MANY PET INSURANCE COMPANIES AND PLANS. PET EMBRACE IS BY FAR SUPERIOR TO ALL OTHERS. I AM ALWAYS MET WITH A CARING,KNOWLEDGABLE,CAPABLE EMPLOYEE WHEN I HAVE PHONED. I REFERRED MANY TO EMBRACE. THIS IS MY SECOND YEAR OF INSURANCE FOR MY BELOVED TRIXIE. THANK YOU ALL AT PET EMBRACE. CLAIMS ARE HANDLED TIMELY AS ARE PAYOUTS. I HAVE NEVER EXPERIENCED A DISCREPENCY ON EITHER END. EMAILS AND CORRESPONDENCE ARE PROMPT.

Same as many others. I have an 8 year old boder collie that was denied coverage because of age.

When we got our new lab puppy, we felt we should also review purchasing pet insurance. We reviewed every company, and the one that continued to be recommended was Pets Best. The final recommendation came from our AHHA cretified veterinary hospital owner, who made a strong recommendation for Pets Best. We purchased a policy on Madison with Pets Best. Madison "Our new lab" has had her first vistit, and everything went well with Pets Best. We get tremendous peace of mind having this insurance and would certainly recommend this company to anyone. Thank you Pets Best!

i wasnt sure at first but im am so glad i got this for rascal and mikie , this is a god send for me, and i have been telling everyone about embrace pet ins, i was wondering though my vet wants info on it and i have a few people interested to, and want to know if you have flyers or information i can give them . we thank you from the bottom of our hearts me and my cats.