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Being in an insurance industry myself, I did a lot of research on pet insurance companies before finally deciding on Embrace. After my recent first claim experience, I can finally say that I've made the right decision. The claim process was easy and I like that there was a representative keeping me updated throughout the whole process. My main reason for getting pet insurance in the first place was simple, that is to prepared for the unexpected. Embrace is just what I needed. It doesn't cover routine checkup but covers just about anything else.

We've had this insurance since 2003. Claims processing has been exhausting, requiring escalation to their president. Now, they have a fairly new rule -- claims must be submitted within 90 days -- and a new form has to be completed each time, even for same illness -- and filled out by vet. This seems like bad faith to me. Does anyone know if it is legal to deny a claim if it's submitted after 90 days. If the coverage is in place at the time of treatment, then they should pay, yes?

Everyone that i have talked to at this company is great. They answered all my questions and always got back to me with a fast response. This insurance company was really a life saver for my dog, if they wouldnt have been able to cover the work that my dog needs i probably would have had to put him down.... I guess you could say they were my dogs guardian angel! We have really appreciated all there hard work and with a quick speed! I will be sending all my friends there way!

My first claim had a little BUMP in the road , but everything was resolved quickly with a little help from Lea.Thank you Embrace

I never really paid much attention to obtaining pet insurance because, after working in the Veterinary field, there was never a company that seemed to actually cover what you were paying for. Everything changed when I found out about EMBRACE PET INSURANCE. My husband and I have two Rottweilers about two years old and at 100 lbs. each, they are still our babies! We realize that when you have big dogs, big veterinary bills come right along with them. One day early this year, my husband's Physical Therapist was talking about this great insurance she obtained for her two small dogs. Unfortunately, she had to submit a claim for an intestinal illness. Fortunately, she had obtained pet insurance through EMBRACE and was amazed with the customer service she received and more importantly, the money she was able to get back! It was everything she hoped it would be. She told him that signing up with EMBRACE was the best thing she had ever done. So, my husband came home, we talked about it, and I jumped on the website. I was completely impressed with how informative and thorough the website is about the pet insurance industry and what sets EMBRACE apart from the other companies. The ability to customize a policy made it easy and affordable for us to sign up and secure the health of our beloved pets. Little did we know at the time how much it would mean. Fourth of July weekend 2007, my female, Bella, came in limping. We waited 24 hours to see if it was just a muscle strain, but no, still limping. My vet gave her a shot of steroids and some Rimadyl to see if it would subside. Unfortunately, it didn't. Next stop was to the orthopedic surgeon for an evaluation. Torn ACL. TPLO was the only option. Average surgery here in Florida is between $3000 and $3200. The surgeon talked about the risk to the other knee suffering injury from Bella compensating for the injured leg. We assured ourselves, that we would do everything possible to prevent that from happening, and submitted our Pre-Certification Claim Form to EMBRACE and hoped for the best. I cannot compliment the staff of EMBRACE enough. Every single person I spoke with was kind and compassionate, as well as, professional and efficient. Bella's surgery was successful and I sent in a claim form and the necessary records to EMBRACE. About three weeks later, I received a check. I received full reimbursement minus my $200 deductible and 20% co-pay. Simply amazing. After 12 weeks of rehabilitation, one day we returned from work and our worst fears had come true. She was limping now on the opposite leg. We went back to the surgeon and another ACL tear. We scheduled surgery the next day and submitted a new claim to EMBRACE. Once again, we received full reimbursement minus deductible and co-pay. Bella is now recovering successfully from her second surgery and it will be a wonderful Christmas present to have her 100% healed, walking, and happy! Obtaining EMBRACE pet insurance is the best thing we’ve ever done for our pets and we will never be without it. It is so hard to find a company these days that actually care about the services they provide and more importantly, care about those they are providing services for. Ask your Veterinarian to look into the company and order brochures for the clinic. Your veterinarian can be confident in the care he/she provides and confident that EMBRACE will provide for his/her clients. Thank you EMBRACE!

Each time I submit a claim I am always pleasantly surprised when I get a check in the mail! So many weird unexpected things can happen. It's great peace of mind. I highly recommend it.

I took out pet insurance due to the high cost of medical care for pets in the area that I live, and Embrace was the most comprehensive. In addition, one could tailor make it to their needs. It never entered my mind that my pet would develop cancer (at age four), but Embace has covered all costs expeditiously and without question. Their representatives are not only professional but CARING, and go out of their way to assist owners through difficult times. I heartily recommend Embrace to anyone who has a pet.

An agent emailed me within days of receiving my claim form and kept me apprised of the status. No hassles or attempts to deny coverage. It's wonderful to be working with such a caring company.

I have been very pleased with Pets Best. They are very prompt with responding to my claims and any questions I may have. They are fair with reibursement and pay exactly what they say they will pay. Pets Best would get a 10 if the larger $ claims were expedited. As a pet owner, it is difficult to pay the large vet bills and wait for a whole month or longer before reimbursement, although they are very good and fast at the smaller claims. Pets Best is the best in my opinion, as I have had other pet insurance, horrible pet insurance. The customer service is outstanding. Thanks for communicating with me via e-mail regarding the status of my claims. Keep up the great work!

My claim was dealt with promptly and with good explanation of benefits.