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After paying $100 per month to insure 2 dogs, finally made a large claim after my Great Dane was bitten by a Poisonous Spider. Bills totaled around $1000. Filled all of my claims and Presto - found out the 80% reimbursement rate was a TOTAL JOKE!!! Got back $151.07! WHAT???? Oh I forgot, $500 deductible and we don't cover this or that. Am currently shopping for better Pet Insurance that actually covers my pets!!! What a Joke.

I have had VPI for a few years, but recently had an experience that made me an even more satisfied customer. The reimbursement rates have always been just fine in Montana, where veterinary care is less expensive. But in July I took one of my Bernese Mountain Dogs all the way to VOSM in Maryland for a TPLO performed by a surgeon I knew was top notch (Dr. Sherman Canapp). It was not cheap -- about $4500 when it was all said and done. I was worried about how much would be reimbursed and was hoping for half -- I was amazed when VPI reimbursed almost 80% of the costs. There were no issues getting paid -- I sent in the required documents and had a check in less than a month. I cannot say enough good things about VPI. I have all five of my Bernese Mountain Dogs covered!

BJ had a growth on his back that needed to be surgically removed. Initial care and the surgery were paid by this wonderful insurance. We had insurance on our Angel Buster who had eaten a tube of Aspercreme (one time), then coffee K-cups, and a third time some OTC medication for stomach upsets. ASPCA insurance was there for us all of these times. Would highly recommend this insurance to all pet parents.

Monte, our Golden Retriever has unfortunately endured a lot in his two years, from knee surgery, to plate removal due to irritation, skin problems, and allergic reactions. Embrace has been excellent in receiving and processing all of the claims very quickly. They have even checked to see if I have received my claim payments! I am impressed with this company, it was the best decision to make when Monte was a puppy. It gives us piece of mind knowing that we can take him to the vet when anything out of the ordinary is going on with him. Everything has been covered without issue. Our vet faxes in the claim for us and we have a reimbursement check in a couple of weeks. I love that you can view the progress of claims online. Thank you Embrace for being there when we needed you!!!!!

We have an English Mastiff, female, now 5 and we have had the insurance 5 years. It is good insurance, we have used it. Our Vet is pleased and has no problem doing the minimal paper work with said insurance. WE took out the insurance so our dog sitter would have no issue with moneyif something happened to our pup. Proved it self on 3 instances.

We have always had St. Bernards and at the present time, we have two. The thing they all had in common is they are Saints and they are insured with VPI. Our first St. had to have two knee surgeries and both went very well both for our Saint and how VPI handled the claim. Tobi our female we have now was hit by a snowmobile when she was 7 months old, breaking her back right leg badly. The surgery could only be handled by a specialist (if she ever would have any hope of it growing properly or being able to walk on it). After all was said and done the vet bills were about $6,000, VPI paid just over $4,000 of her claim. They were a life saver. Our girl is perfect now and has not trouble with her leg! A few months ago both our female and male (JJ & Tobi) got into something that made them very sick and our vet thinks they had mold poisoning. Again, their vet bills were significant, but VPI came through and paid a significant portion of the bills and in a timely manner. Pet owners, it is a no brainer, get your pet insured. It gives you a great sense of comfort knowing that if something happens you will be able to get them the care they need. We will never not have this insurance.

I've been fortunate to not use our policy for anything other than routine exams and wellness items, but the service and attentiveness received by the Embrace staff have given me great confidence that should a larger problem arise my dog will be given the care needed without putting me out on the street. I just wish all MY insurance companies were as helpful.

I turned in a 300.00 wellness claim for my 3 year old saint Bernard and and got the refund less than a week later. Awesome company, great customer service. Glad to have the peace of mind by having them.

Staff always friendly, informative and prompt! The wellness option has been well worth the $. My claims for illness/injury have been exactly what I expected, never a surprise. When I needed to cut down my monthly premium, they worked with me to find the best option to keep good coverage and hit the price I was hoping for.

I adopted Bear, a Karelian Bear Dog, a year and a half ago when his person died and Bear lost his home. I had recently lost my 10 year old KBD to cancer. Bear and I were truly a match made in heaven and we helped each other heal. Bear was diagnosed with a torn ACL and underwent TPLO surgery not quite 2 weeks ago. I submitted a nearly $2700 claim late the morning of December 6, 1 day post op. By early afternoon I received notification that the claim would be paid per my policy and I received the check the following Thursday, Dec 13 only 1 week post-op. I have only good things to say about Healthy Paws! The response to this claim, to all questions I've had - all have been wonderful and professional.