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WE have had a nightmare with the AKC — We are taking to our State Department of Insurance for review. This company needs to be held accountable. I would suggest any other provider BUT the AKC. I have dropped the AKC insurance because "seperate incidents" the AKC considered one and DENIED my claims! They have PER INCIDENT LOOP HOLE -- WATCH OUT for that! Wish I knew that. Our experience is they even denied euthanasia for my beloved pet. This is with teh AKC WELLNESS PLAN as well -- the most enriched plan available. I thought I had good coverage EXCEPT the AKC has a HUGE LOOP HOLE that puts everything as ONE INCIDENT and then they DENY the claim- even when they have separate illnesses and DOS listed on the EOB they PREPARED and clearly they are not the same incident. STAY AWAY from this provider if you truly want to have your pet insured. Many other providers with excellent COVERAGE. I found this site fabulous here to be very helpful during my pursuit in finding a new insurance providers for my pups. For myself I selected Embrace that does not have the PER INCIDENT LOOP HOLE!! AKC has been a horrific experience, a huge expense and provided heartache and a PREMIUM cost! I don't wish that on anyone.

Their reps are some of the friendliest people I've ever spoken with on the phone. They've processed my claims quickly and reimbursement has been as expected with zero hassle. Most recently, due to a computer problem on their end, they happened to lose my claim form, but they called and apologized for the problem and proceeded to process my claim within 2 hours of resubmission! That's impressive service by any measure.

Sometime last summer my Labradoodle helped herself to leftover corn on the cob out of the trash. For some reason it took until Thanksgiving week to cause an intestinal obstruction. She had to have emergency surgery. She is almost 4 and I have had Embrace since she was a pup. This was my first claim and I anticipated there may be some hassle. I submitted the paper work and all went very smoothly. They communicated with me frequently with e-mail and I was very pleased. It gives me peace of mind knowing they are reliable and honest.

In May 2010, my cat Jack was diagnosed with Diabetes Mellitus. Getting ASPCA Pet Health Insurance with Continuing Care for Jack was the best thing I did in 2008, when I originally found out about pet health insurance. Now, Jack is happy and healthy and I am submitting regular claims for his treatments. Over the past year, I've found that having a pet with diabetes is expensive, even more because I have other pets who also need to see the vet. The ongoing veterinary expenses piled up quickly and were threatening to become a financial burden. Luckily, I had pet insurance for all my cats. Between his blood tests and the cost of a three-month supply of insulin and syringes, I ended up paying around $650 for Jack's first two visits to the vet. In addition to these expenses, I found out I would have to take Jack in for monthly blood tests and I would have to by insulin every three months. All told, I spend approximately $150 per month to treat Jack's diabetes. Without ASPCA Pet Health Insurance, Jack's diabetes diagnosis would have forced me to make some difficult financial decisions. While Jack's blood tests and insulin are certainly not cheap, recouping a percentage of my out-of-pocket expenses has been critically important for my finances. I have had nothing but positive experiences with my ASPCA Pet Health Insurance policy. Everyone should purchase pet health insurance, even if there doesn't seem to be an immediate need! Planning ahead will sav

The joke around our house is our dog has been health insurance than we do! They are fast and effcientand I would reccomend this to anyone.

I have this insurance for my dog Leo and my 2 cats Morris & Noah. ASPCA really helped out alot when Noah became ill with a stubborn UTI that would not go away until many expensive tests to find the right medicine that would treat his UTI Noah underwent many weeks of injections I had to give him daily for his UTI and it was very costly. ASPCA helped pay most of his expenses in a timely manner. I am so happy I have my four legged kids insured with ASPCA

In June of this year my little kitty Jezebel was diagnosed with vaccine related fibrosarcoma on her right hip. To say that my world came crashing down was an understatement. I had signed up for Trupanion pet insurance in January. I had never used it. I was scared. I was scared for my kitty’s life, and I was scared that the insurance would not work and I knew I did not have the money to pay thousands for her treatments. Well let me tell you, Trupanion does exactly what it says it does. They have paid $15,000 to date for Jezebel’s surgery, CAT Scans, chemo and radiation. She is finished with her treatments and currently cancer free. I have never had anything but the best experience with Trupanion and my amazing claim handler Teresa Lee. I fax my claim on a Monday and I receive a check by Saturday. I had so much to worry about with Jezebel and the very aggressive nature of her cancer and taking her for treatments 3x per week. Trupanion was a blessing that they paid so much money for my baby and they were sooooo easy to deal with. They really care about your pets. They all bring their pets to work. It’s a great company. I highly recommend Trupanion.

In June of this year my little kitty Jezebel was diagnosed with vaccine related fibrosarcoma on her right hip. To say that my world came crashing down was an understatement. I had signed up for Trupanion pet insurance in January. I had never used it. I was scared. I was scared for my kitty’s life, and I was scared that the insurance would not work and I knew I did not have the money to pay thousands for her treatments. Well let me tell you, Trupanion does exactly what it says it does. They have paid $15,000 to date for Jezebel’s surgery, CAT Scans, chemo and radiation. She is finished with her treatments and currently cancer free. I have never had anything but the best experience with Trupanion and my amazing claim handler Teresa Lee. I fax my claim on a Monday and I receive a check by Saturday. I had so much to worry about with Jezebel and the very aggressive nature of her cancer and taking her for treatments 3x per week. Trupanion was a blessing that they paid so much money for my baby and they were sooooo easy to deal with. They really care about your pets. They all bring their pets to work. It’s a great company. I highly recommend Trupanion.

My first experience using my Pet Insurance was a stress free one. The claims process was done completely online. The claim was processed within one week. The policy covered 80% of the amount that was above my policy deductible. I have enrolled in the direct deposit option and this will expedite the reimbursement process.

One week before Thanksgiving our 2 year old Mastiff became ill. Upon waking Thursday morning she was lethargic and disinterested in eating/going out. I left work early to get her to our vet. Initially they suspected an intestinal blockage per xrays. Upon doing blood work they found her red blood count was down to 9% and she needed an immediate transfusion. We rushed down to the nearest emergency care facility (an hour away) where she was diagnosed with Immune Mediated Hemolytic Anemia (IMHA). She spent the better part of ten days at the facility receiving round the clock care and numerous blood transfusions and expensive immunosuppressants. She finally began to stabilize after 8 days. My wife and I were worried that we were going to have to make the hard choice. Thank goodness we didn't. We submitted a claim of over 10k to Trupanion. They covered everything save for our $100 deductible and a 10% copay. She still has a long way to go, 6-8 month of treatment, and even then there is no guarantee that her disease won't strike again. But we feel confident that if it returns (or if another problem comes up), Trupanion will take care of us. Not only would I recommend them to anyone I know, I will never have another dog that isn't insured by Trupanion.