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I would highly recommend this company to anyone looking for Pet Insurance. If I had to sum up my opinion of these folks in one word, it would be "honest". No hidden terms or conditions, no fine print, no run around! In fact, we recently had our Molly at the vet's and I made it clear to them, that if anyone is inquiring about insurance for their pet, they would do their patients a service by recommending EMBRACE without reservation.

I had the worst experience with the PetsPlusUs insurance company. Surely their policy does not cover pre-existing conditions but it was never disclosed to me that 1) exclusions were added to my pet’s policy; 2} said exclusions were never based on a real diagnosis, just the condition that might in the future lead to a diagnosis. I am very upset and feel that I have been treated unfairly. No amount of phone calls to the company produced any recourse. I canceled the policy. I know I gave them what they wanted, but the stress of dealing with this unfairness, unhelpful reps and manager on top of the stress of my pet's illness and financial expense was too much. My vet advised that I should continue trying to get the coverage as it's the company's reputation that is on the line. Apparently, not so much. I have called and spoken to several reps and a manager Michelle over the past few days. I have also received a "your policy is complete!" email announcing that they have all the medical records for my pet, yet the attached summary of coverage still had NO EXCLUSIONS listed, just a note that they need a full medical history. Ain't that a doozy! The next two emails detailed the claim denials based on a pre-existing condition that I was never aware of or advised about in any prior summaries of coverage. When I called to complain about that, they brought up medical history of my other cat that had a trial policy with them 2 years ago - they were thinking it was the same animal as my cat that got sick! They even asked me if both my cats have the same name! What a mess. Too bad, they have just lost themselves a paying customer and no, my cat is not feeling better. Issuing a "conditional policy" is such a convenient way to mislead customers, fooling them into thinking their pet is covered, and this has been going on for 2+ years in my case. Lack of transparency on what exclusions exist on the policy is the worst thing an insurance company can do to their customers. Obviously I will never recommend a company that just takes the money and has no help available when it is needed. Their slogans are a big fat lie. PS: Oh, and when I started talking with another customer on their Facebook page who had similar issues with them, our discussion was promptly deleted. If you are an inconvenient customer for them - expect to be treated accordingly.

The people at ASPCA Pet Health Insurance were very helpful. I had a question regarding filling out the form for reimbursement of my cat and the lady not only answered my question but did it in friendly manner. I did not have to wait long for my reimbursement checks (2-3 weeks) and the reimbursement itself was 80% of the cost incurred from the vet bills. I then received a follow-up call from the insurance company by another friendly staff member who inquired if I was pleased with the service to which I certainly replied yes! I would definitely recommend the ASPCA Pet Health Insurance for all seeking a pet health insurance company.

Healthy Paws has far exceeded any expectations I may have had in every aspect, including coverage, service and (yes, really) compassion. I have been a commercial insurance broker for over 40 years, and in the past thought pet insurance was a scam. I was always a cat owner, and never experienced any need for vet care. We got Minnie, our first dog ( a MinPin), ten years ago, and it's been a wonderful adventure. After her first illness and hospitalization, which cost $4000 (uninsured), I did some research on pet insurance options. In addition to competitive pricing and plan designs (90% w/$100 Ded) Healthy Paws was the only Pet Insurance carrier I found (there may be others) without an annual maximum, and that was a major requirement for me, so we applied. In the last few years Minnie has had regular need for advanced vet care and hospitalization, and to say that I've been impressed with Healthy Paws response would be an understatement. This is evidenced most recently when poor Minnie was diagnosed with diabetes. Healthy Paws, as usual, handled every aspect of that claim with incredible speed, professionalism and, as always, great communication. The acid test came several months ago, when Minnie developed cataracts and went blind. It was heartbreaking. We discovered that cataract surgery was possible for dogs, and was very successful, but also very expensive. Rather than just turn in a claim and 'hope for the best' I contacted HealthyPaws to see if I could 'per-certify' the surgery. Their response was fast and positive, as was the ultimate processing of the claim. There was no hesitancy, and there was no issue having the surgery on both eyes. They seemed surprised I was even worried about their response. But not only that, they contacted us after the claim was paid, and asked how Minnie was doing, showing real personal concern. I was amazed at this level of personal service. I am a firm believer in transferring what I believe to be a significant risk (uninsured veterinary care beyond well care) to insurance, and my choice is clearly Healthy Paws, for the reasons outlined above. Highly Recommended.

When the form was faxed from the Vinegar hill vet grp to the claims Dept, I got an email stating some items were missing. I brought the form back over to the vet and they resent the same form again then it was resolved.

After I submitted my first claims ($1000 worth in the first 4 months of having the insurance) I started reading reviews so I got worried that I may not get paid. A lot of them said if they do pay you they will reduce the amount to something they think is reasonable. I kept calling and calling them because I was worried this would happen. It took a month but I was paid in full (at the 90% deductible rate on my contract). Overall, the experience made me add my new puppy to the same insurance as well and got a 10% discount by doing so. My 8 month old Shih Tzu was born with Kidney Disease which obviously no one knew... and now the pet insurance is paying for all of her tests and follow up visits.

Honestly a great and amazing program/insurance. Wouldn't have it any other way!

Well I submitted a claim on 15 January I was told that the check went out on the 23rd for $115 and today is February 2 and I still have not received the check the turnaround time that I was told was Generally three weeks I wish it was sooner Not pleased

Just signed up a week ago and very surprised about the prompt processing of my claim.

I was watching a vet show on TV, "The Bionic Vet". It got me thinking that I should get pet insurance. It had been may year since I had owned a dog and I knew vet expenses had gone up considerably. I did my research and decided on the ASPCA insurance. I kid you not, in less than two months my dog torn his ACL and meniscus. If it weren't for the insurance I have I don't know what I would have done. I HIGHLY recommend the ASCAP insurance. Not only were they there for me but they called me during Dukes recovery process inquiring about how he was doing. A++++ service. Will never be without them.