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We have had pet insurance on our dogs for years. We never had too much use for it until the last 5 years. Our mutt needed a TPLO and one of my Newfies needed 2 TPLO's plus an additional corrective surgery. In general we got half back each time. Not impressive. Then I decided to do another review of all policies available and used this site to assist. I switched to Embrace. Recently, the same Newfie who had the three surgeries had a stroke to his spinal cord and lost the use of his hind legs. He had two MRI's plus a myriad of other diagnostics and then spent 2 weeks in a specialty rehab clinic. Thankfully he is doing well. Embrace paid 100% after my yearly deductible (yearly not per incident) and my 10% co-pay (which I chose). They did not cover the bath the clinic gave him - oh well :) Am I happy - you bet. And the folks there are so friendly and helpful - you are not calling a "help desk" or "call in center" - you are talking to real people who care. I've never written a review like this before but this insurance has been a major blessing for us. We are not in a great financial position at this time (who is?) and receiving back almost 100% of this unexpected expense has been nothing short of life saving for us. It is not cheap for us to insure all 6 of our dogs but it only takes one incident like this to prove its value.

We are very happy with ASPCA pet insurance and have had coverage for over 2 years for our two dogs. There have been some unexpected vet bills and it was reassuring to know we had good coverage and timely reimbursements. I feel the premiums and annual deductibles are reasonable and do not "break the bank".

I've had Embrace for a year on my 2 Goldens, ages 6 and 7. I didn't have a single claim, yet in my renewal e-mail a few days ago, I was told that my premium was going up by 62% when my policies renew in a few weeks!! I called the company thinking perhaps there was a mistake, but I was told that the e-mail was correct, and that the increase was due to my dogs getting older. What?? Of course dogs get a year older every year!!?? The representative I spoke with was very nice, and apologized for the situation, but said there was nothing that could be done. She said the huge increase was because my dogs were each hitting the age where there was the biggest premium jump across the board, per their underwriters... How can any company justify raising premiums 62% in just one policy year!? All I can guess is that they're actually trying to force clients to leave as their dogs get older. Apparently they're happy to take premiums from young healthy pets, but then they'll turn around and force you out as your pets get older. They told me I could take it up with their underwriters - but since that's Lloyd's of London, I doubt I'll get very far. That's why I'm now looking for a new company...

My cat Cayenne had her tail amputated due to an infected cyst. The insurance really helped defray the cost.

I paid Embrace in excess of $80 a month for my two very young cats, the first for just about a year and the second for about six months when I made my first claim. I'd taken my just over a year-old female cat to the vet because she had diarrhea. Embrace called the condition pre-existing because 11 months earlier, when I originally brought her home from Petco, I must have told the vet that saw my cat for a check-up a day after I got her, that she had slightly loose stools...not diarrhea. In any event, at that time, I'm sure it was from either fear of being in a new home or a change in her diet from what she was used to. At that time no vet was seen for any specific problem, only to have her checked out since I'd just gotten her. The call of a pre-existing condition was ludicrous. Once Embrace can call a diarrhea pre-existing, anything that remotely has that symptom can be denied by them...anything! It was a tricky and unethical loophole that they were creating to protect themself. Fortunately, I was only out (ahem) about $800 in wasted insurance preumiums, but you can be sure that I canceled my policy the very next day. If you're getting insurance for peace of mind, before you choose Embrace, please consider what I've said.

Thank You for your prompt payment on my wellness claim for Essie. This is my first claim and I am very pleased with how easy it was. I feel so lucky to have found your company.

WOULD NOT BE WITHOUT-EVER AGAIN. OUR FIRST GOLDENWAS EUHANIZED-SAD SAD CASE-ASPCA WAS THERE ALL THE WAY. KIND AND SYMPATHIC.OUR 2ND GOLDEN INGESTED A STRING TOY- DO NOT PURCHASE THE..OUR YEAR AND HALF BABY HAD EMERGENCY SURGERY. 5 DAY ORDEL 2200.00 COMPLETE..ASPCA AGAIN WAS THERE FOR US..GET YOUR FUR BABIES INSURED.

Fortunately to date we have only used the wellness care part of the policy that covers our two Lab Retrievers. Our male Lab is a certified Service Dog and our female Lab will shortly get her certification. As both Labs go in for physicals twice a year with a full exam (blood work ups, etc) at least once a year, the policy has helped us control the cost of Vet services. Also it is comforting to know that should an emergency occur we can provide treatment for our Labs without worrying about the cost of the treatment.As both my wife and I are disabled and depend on our Labs to help us get around, this is the least we can do to insure that the best possible care is available to them if needed.

I'm a new customer with two kittens. These boys had quite a bit of work done(neutering, microchipping, vet check up's. Because I had these things done, my Embrace monthly bill was reduced nicely. I got my claim $$ in a few weeks with several friendly emails. I'm going to like doing business with these people, I think.It's great peace of mind for me to know I'll have financial help, and I'll never have to choose between going to the vet and having enough money to survive.

I've had my dog Preston on ASPCA health insurance for almost a year now and have no complaints. There's been a few small incidents (tick and foxtail removal) that have been partially covered, depending on the accompanying prescriptions, but ASPCA was really great to have a few months ago when Preston was hit by a car. I can not stress enough just how important it is to have SOME kind of insurance -- I was able to focus on Preston getting the best care instead of worrying about the bill the whole time. ASPCA followed up less than a month later with the reimbursement check, cutting our $2,000+ bill down to about $500. I was at first annoyed by having to pay the $100 deductible, but after seeing that most other insurances have a deductible per incident, the ASPCA plan seems a bit better.