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My older lab developed cancer. We were told we could extend her life with surgery and chemo. We went ahead and had the surgery, but we were too late, and lost her a week later. ASPCA insurance has a PER INCIDENT maximum. They counted all her exams as well as the surgery as a single incident. We were only reimbursed for a fraction of the cost. I recommend that you look for insurance that does not include the per incident maximum. (They also only covered "reasonable costs" which were usually far less than my vet charged.)

My dog had a reaction within a half-hour of having had a rabies shot. She got extremely sick in the car going home. Having had a previous history of pancreatitis, I decided to take no chances. I turned around and went right back to the vet's office. A complete medical panel was done including ALT, ALKP, AMYL, BUN, CREA, GLU. Fortunately, everything was negative. It so happens that the cost of doing this complete panel was just about the cost of the deductible on her policy. However, the ASPCA customer service representative assured me that if my dog continued to have any further reactions to the vaccine to please submit a claim because everything else would now be covered. I wouldn't hesitate to give my dog the best treatment regardless of whether she did or did not have insurance, but it was a nice feeling to know that the ASPCA Pet Health Insurance plan was there to help inany case. I would recommend them highly.

I am the proud owner of 3 dogs and a cat. Shortly after I adopted my pug puppy, he jumped off a step and broke his growth plate, requiring surgery. It cost me over $3,000 out of my own pocket. I decided then and there to purchase insurance from ASPCA. About 10 months later, my cat got sick and it turned out she had a golfball sized struvite stone in her bladder. For a 4 pound cat, that was giant. We had her surgery, and made the claim to ASPCA. Within 4 weeks, we were reimbursed and the entire incident only cost us about $150 out of pocket. Not 6 months later, my border collie required surgery for struvite stones. If you love your pet and plan to provide good medical care for them, you're asking for trouble by not carrying insurance.

When I adopted my puppy, he had a bacterial skin infection known as Pyoderma, which Embrace did not cover as it was pre-existing. Fine. 9 months later, my dog began to lick his paws, which the vet determined was due to allergies. Since both pyoderma and allergies share a symptom- itchy skin- Embrace has denied my claim for allergies and is saying that it's a "pre-existing condition" even though my dog was never previously diagnosed with or treated for allergies. It's absolutely ridiculous, I couldn't be more displeased or dissatisfied- they took over 2 weeks to respond to my claim and didn't even do their homework regarding my dog's previous conditions. BE FOREWARNED- all that glitters is not gold, and Embrace DOES NOT deliver what they promise.

I have been extremely happy with ASPCA Insurance. I have had it approximately 2 years now. The claims are paid immediately. Whenever I call I get through right away to an agent. Everyone has been very nice to deal with and they always try to help me. I have recommended them to all my friends.

Cody was biten by a rattlesnake, and had to spend two days in the hospital. I called and asked for a claim form and they asked what happened and seamed very caring which was very kind. My claim went very smoothly I couldn't beleive it. All of my claim was not taken care of the first time I called and they were sorry it was overlooked the first time and promptly taken care of. They also asked how Cody was doing. I really did sound like they really cared which is really nice to know. I have recommended them very highly to some of my friends, and I usually don't do something like that.

Not happy with my $120 rate increase. My 3yo GSD had no major health issues last year (we made 1 claim that ate up our deductible, so we never even tapped into the insurer's money). For the same exact plan today our premium went from $420 to $587/yr. Not acceptable. Embrace never notified me to warn me that my policy was coming up for renewal, either. Had I not asked, they were going to automatically renew & bill my CC at the new rate. WTF is that all about? I called them and spoke to a rep to ask about the rate increase. He had no real answer, and mentioned something about a "book of business" as a premium model....or something like that. When pressed, he mentioned something about basing my premium on other dogs claims. So...now my premium increase has nothing to actually do with MY dog? Dead silence on the other end of the line. I immediately canceled my policy. The customer service doesn't seem to really have a clue as to what they are doing, and I need a company that's got it's shit together when it comes to the health and well being of both my dog and my wallet.

I had my first claim and everyone has been very nice - good communication through email and if there's a problem they will respond back within one day. I'm waiting for my first check and they said I should receive it in 10 days. So far so good!

This is my first claim to Embrace. My dog, Lilly, came down with a bleeding condition which was diagnosed at colitis and I was pretty happy with the claim process. I did, however, have to scan all of her previous medical documents to Embrace, which I had not been told I would have to do when purchashing the plan. I also did not realize that medications to treat the condition were not covered, so I am still $100 away from her deductible. I also did not receive my response in the stated 15-day time period, but upon writing to my agent, I received an immediate response. The claim result was easy to read and easy to file away electronically.

I have all three of my cats insured with Embrace for the last two years. While we haven't had any major medical events (thank goodness) we have had a few minor scares. Embrace has been great every time. They keep me updated on every step of the claims process. They are easy to reach. I feel like I have my own personal rep who answers my emails quickly. I've never had a problem with a refund and I'm so happy we are covered through Embrace.