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I have a long haired dachshound, namded Sidney. I adopted him at a year old. He was an abused dog. Recently, Sidney & I went to my moms to visit and shop. When we left, we pick up baskets, as he gets into them, and anything else he may get into. Any one who has a Dachsie, knows what I mean when I say they are curious & gets into trouble when possible. My mom had left a bowl of cough drops (wrapped) in a dish by her chair. When we got home Sidney was laying on the floor, the dish of cough drops were gone, wrappers and all. His belly looked bloated and he was breathing hard and layed with out greeting us. He layed with his head in his water bowl, I called aspca poison center for help. I didnt know what I should do, as I dont know any vets in my moms area. Even tho the phone call cost 65.00, it was worth the information I received. They can sometimes solve your crisis over the phone, but in this case I was directed to get him to Er. as I did. They had to pump his stomach, and give him IV's and x-rays. I sent the claim in, and I received a large part of the amount paid and a call from the insuranace to ask how Sidney was feeling. I sure made the right decision 3 years ago to get pet insurance with aspca. I will have aspca pet insurance on every pet I have in the future. The claims and payment are handled with much care. Thank you, ASpca for your help with payment & helping me to keep Sidney well.

I've had AKC and ASPCA pet insurances for both of my dogs. What I find absolutely amazing is that I pay less for the insurance for my horse than for either of my dogs and my horse has both mortality insurance and health insurance. Something is very wrong with this picture. I've already sent in a negative review on my ASPCA insurance (the current policy for both dogs). I was just throwing this question out there for general info/response.

Submited a claim on a Thursday night, and by Monday afternoon it was paid. Very friendly phone staff.

Submited a claim on a Thursday night, and by Monday afternoon it was paid. Very friendly phone staff.

Petshealth has provided my dearly beloved pets with stellar coverage and timely processing of claims. Staff are professional and courteous with Pet Owners. I am pleased to endorse and recommend this Insurance Company highly. Very Sincerely Yours, Ms Carol A Marano RN New York City USA

Having had a number of dogs in the past, I knew how quickly vet bills can add up. So when we got our new baby English Bull Dog - Higgins, I signed up for insurance right away. The level insurance we chose helped cover some routine items right away. Higgins has had a few issues, lyme disease, ear infections and recently bee stings to his face : ( Our claims were always processed in a timely fashion. I would certainly recommend anyone with a pet to look into pet insurance. It helps when the additional costs are incurred unexpectedly.

As the pet parent to two dogs and two cats, I have had my share of veterinary expenses. All my animals are rescues so they didn't come with any health guarantees. I easily spend several thousand dollars a year at the vets. Their healthcare is not something I would ever consider scrimping on, so I researched pet health insurance. Just like people insurance, most pet policies have deductibles and clauses regarding pre-existing conditions and reasonable and customary charges. You need to do your homework. I have the premiums charged to my credit card monthly and consider it like a forced savings for veterinary expenses. I chose the ASPCA carrier since a portion of each premium goes to help homeless animals. The claims submissions is relatively easy and the processing is quite timely. Financially, I would be satisfied if I could recoup the cost of the premiums with the claims I submit. Fortunately, my pets are fairly young and in good health, so this hasn't happened yet. I consider the premiums as the cost of future peace of mind. Just like us, the older they get, the more medical intervention our pets require. Overall, I am very satisfied with the ASPCA pet health insurance and would recommend it to someone who wants to insure his/her pet(s).

at time wish that it would be like our hospital insurance.where we could get bill laterbut it doesn't work that way.

Coco's been with Embrace going on 2 yrs. They've always been good at fast reimbursements. We went with Wellness options this year and brought her in for teeth cleaning. The renewal had overlap with the older because I had paid a week before plan expired. I had thought she was already under the Wellness option. Laura was very understanding and applied the teeth cleaning on the new plan. I had brought Coco in a week early before the new plan took effect. Laura was very understanding to make this one time exception. I am very please with Embrace and would not hesitate to recommend friends to Embrace.

Until we got Jade, I thought pet insurance was kind of a ridiculous idea. However, after spending as much as we did on training and equipment (crate, toys, etc.), and finding out how expensive some medical procedures could be (after discussing it with our trainer), we decided that insurance was a smart way to protect our investment (both financially and emotionally). We signed up with Embrace, never expecting to have costs that actually topped our $500 deductible. Our trainer recommended Embrace because they cover breed-specific genetic conditions, whereas most pet insurance companies do not. This turned out to be the most valuable part of the insurance for us. About 6 months after we signed up for the insurance, Jade started to squeal whenever she would try to stand up. We brought her in to our local emergency clinic, where they discovered she had dysplasia in her right hip. Further investigation at MSU vet hospital revealed that she also had Salter-Harris fractures on both Femurs. Both conditions have required multiple trips to both our local vet and MSU (at an average of about $500 per trip), and Embrace has covered 80% of our costs for every visit, from the first one to the emergency hospital to the $4,600 Total Hip Replacement surgery she just had at MSU three weeks ago. She has also needed several medications to control the pain from the conditions and the surgery, and those were covered as well. If we didn't have Embrace Pet Insurance, we would never have bee