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Representatives are nice and polite. The process is easy to follow. The premium is affordable. The "80% of reasonable Charge" is not good. I compared several vets in my area, they all charge the similar price, but ASPCA considers all of them over charged, so I really get reimbursed 50%-70%. Don't know where ASPCA get their standard of charges for my area. ASPCA should provide a list of vets in each area that do not "over charge" patients, that will make their decision more acceptable. First month after activate insurance, the health issues are not covered, this should be improved. The puppies that were checked by vet before go to new home at 8 weeks of age, and was checked right after arrive the new home(next day?) should be immediately covered, unless the illness happened within first month of insurance is determined by vet as an existing issue started before Insurance was bought. Puppies are very like babies, need extra care, that is why I buy insurance for them. One month no cover but still need to pay premium is really not right.

After having inherited two dogs years ago that had ACL repairs and knee replacements, I vowed to never get a new pet without health insurance again. It can be heartbreaking to have to make a decision when a big price tag has to be considered. When we got our new husky the first thing I did was to research insurance. I wanted to be sure we were taking care of any potentially big thing like the expensive ACL surgeries our collie had. Little did I expect that our pure breed 16 month old husky would be diagnosed with severe hip dysplasia. After a teary phone call to Embrace, I felt a sense of security knowing not only would the surgery be covered (over $4000), but also any needed therapy. The surgery happened the next day and an Embrace rep contacted me to be sure all was ok. The process was simple and reimbursement was fast. But the best part was really the caring attitude and continued follow up. Embrace people are obviously PET people and not just corporate. I will never get another pet without Embrace coverage. I highly recommend Embrace.

I insured our new dog, Rufus, who we adopted from a local shelter, about a month after we got him. A friend recommended Healthy Paws and I was skeptical at first - would it be worth the monthly cost? Well, after extensive research comparing Healthy Paws' prices and plans to other companies, I decided Healthy Paws offered the best coverage for the best rate (AND they give back to homeless pets, which is important to me). Still unsure if the insurance would really pay off, I decided to give it a go. Now a couple months later, I am confident enrolling Rufus with Healthy Paws was the right decision, and we will remain a customer for life! The customer service is fantastic, the claim forms are easy to fill out and submit, and everything is handled in a timely fashion - including reimbursement. One great perk is that the deductible is annual - not per incident. Our lovely dog has managed to already hit that deductible in the short time we've had him, and now we'll only be responsible for 10 percent of his healthcare costs for the rest of 2011. I can't say enough great things about Healthy Paws - I highly recommend the company, and I highly recommend your investment in pet insurance! It provides great peace of mind to know your pet will always be able to receive the medical care they need without maxing out your credit cards.

Healthy Paws has helped us so many times when our pets have been sick. Thank you for your fast service!

My 2 german shepherd dogs suffered from severe itching since September 2010. It was very difficult getting to the root cause of their symptoms finally in April 2011. Pollen or mold allergy was first suspected, then food allergy. After many veterinarian visits and symptom treatment a visit to the recommended canine dermatologist repeated the skin scraping test (negative again) but he deduced that their symptoms were most like scabies. This treatment cured their itching. ASPCA Pet Insurance came thru with timely reimbursement to cover much of the veterinarian and medication expenses. The only dissappointment is that even after meeting my deductable the insurance covered only a portion of the remaining expenses. Despite this disappointment, pet health insurance reimbursement more than paid for the insurance premium so I believe it is very cost effective.

Winnie is truly my child in a dog suit. Having this insurance gives me the peace of mind to know that I would never have to make a decision based on finances (not that I ever would!!). I have been fortunate to only have had to file one claim. Reimbursement was fast. Great plan, affordable. Wouldn't want to be without it.

I was referred to Embrace Insurance through a good friend. At the time my Standard Poodle was great and I wasn't certain I needed Insurance. I looked into their policies and decided with their rates that I couldn't afford to not have pet insurance! Since then I have had used the insurance more than once and the last time was an expensive emergency trip with my dog needing to be admitted for 2 days. On EVERY occasion they have responded to receiving the claim within a couple of days and I have received a check within a couple of weeks. This is a great company with representatives that are always there to assist in any way possible.

We got pet insurance for our active Australian Shepherd Koda after multiple visits to the Vet in his 1st few years. Our policy gives us peace of mind as he has visited the vet very few times since we got the policy which we look at as a good thing. The policy is there to aid us if ever there is a major or serious event.

My two year old Great Dane (Bella) had the misfortune of a Cranial Cruciate Rupture. Sent the claim forms to Embrace for pre-certification. Smooth, easy process throughout. Paid what they promised in the contract. I would highly recommend EMBRACE. Easy to understand policy and payment procedures.

Our dog was unable to eat and had no energy. After treatment and overnight stay in the clinic she began to respond and was soon herself again. We had no idea what the charges for her care would be but were very pleased that we had SPCA Pet Insurance. The company responded quickly and with no hassle.