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I have used ASPCA insurance for 2-3 years now. It has been great in an emergency when I needed pet care that would otherwise be expensive. I generally end up recovering about 60% of the total cost, but the response/payment time can be very slow -- sometimes taking 4-6 weeks. It used to be much faster as a week or 2 at the most.

I've been very satisfied with Trupanion's services. They do what they said they'd do, which is (after deductible for the illness is met) pay 90%. I especially like being thanked by them for taking good care of my kitty, and they even asked me to forward their thanks on to my vet. They do care about my pet, though maybe not quite as much as I do.

I've been very satisfied with Trupanion's services. They do what they said they'd do, which is (after deductible for the illness is met) pay 90%. I especially like being thanked by them for taking good care of my kitty, and they even asked me to forward their thanks on to my vet. They do care about my pet, though maybe not quite as much as I do.

Izzy had a radial and ulner and had to have bone plate surgery. The expenses were huge and necessary so you do what you must for your beloved best friend. I had not heard about the claims after the 4th week. When I called to inquire I was pleasantly suprised later that p.m. what the refund would be. I feel good about making the decision to purchase Embrace as I feel the courteous and professional and ethical servicesurpassed my expectations. I will tell my Vet clinic about it as that is where I picked up the pamphlet more than a year ago.

My lab/mix dog swallowed a squeeky toy which made him very sick. After xrays , tox screens lab work and IV fluids and then Barium swallow a intestinal obstruction was seen. So with exploratory surgery for a foriegn object Buster has now totally recovered and is his own self again. We had a very good experience with remburstment for 90% of surgery cost,

My lab/mix dog swallowed a squeeky toy which made him very sick. After xrays , tox screens lab work and IV fluids and then Barium swallow a intestinal obstruction was seen. So with exploratory surgery for a foriegn object Buster has now totally recovered and is his own self again. We had a very good experience with remburstment for 90% of surgery cost,

Wow, I am just so grateful for the health and wellness plan, the dental plan and over all my 80/20 plan for my Ginger. I submitted a claim for a crucial ligament tear in her right knee, I caught it in time we hope, meaning her left knee isn't gone yet. But, the problem was the Dr. has a very tight window for surgeries, as she is the specialist for shepherds in my area. This surgery is expensive and the recovery is slow, but we are going to get through this thanks to Embrace! It is worth the 100.00 I pay each month to know when these things happen, they can happen without question. Thankyou Embrace...

Trupanion responded rapidly in reimbursing us for the expenses of our dog's unexpected illness. Treating the illness took several visits, and Trupanion representatives walked us through what materials we need to submit. They were very prompt at responding to our quesitons and getting us a check.

Trupanion responded rapidly in reimbursing us for the expenses of our dog's unexpected illness. Treating the illness took several visits, and Trupanion representatives walked us through what materials we need to submit. They were very prompt at responding to our quesitons and getting us a check.

The last time I purchased a dog was 11 years ago and pet insurance was not widely known. My family recently purchased a Great Dane puppy and did extensive research in pet insurance and the benefits. Having a family member who has put out over $10,000 in cash for a puppy he got 6 months before us made up our mind. The unfortunate accident that my nephew incountered with his puppy was a deciding factor in us purchasing pet insurance. We did our research and found that Embrace was the best option for us. I wanted a plan that would cover not only accidents but wellness care as well. We are new members of Embrace and have been very pleased with their service. Thank God I've only had to submit wellness claims so far and have been very pleased with their quick response and reimbursment. If you are looking into pet insurance I would highly recommend Embrace for your pet.