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I used to have a health plan w/ VPI, but b/c of financial difficulties decided to cancel it. My dog was still young enough (about 5). But after some years I thought it would be best to get coverage for him again since he had just turned 8. So I called VPI again and to my surprise and disapointment, VPI and some others I contacted turned me down b/c of his age! As if 8 was old. So I found ASPCA and was pleased and grateful that they accepted us. It was a good thing too, b/c 6 mos later my Billy started to bleed internally and after many tests even though the cause was not found, a solution to make it stop was. He is doing better now and thanks to the ASPCA plan I am not in the poor house. each claim I had to put in was at least $150. I even had a claim for $579 and received $402 for it. Even though it's not a 100% return (please let me know if there is such a plan) I am sure glad I wasn't alone in these difficult times!Thanks, ASPCA, for your loyalty and dedication to animals! Sincerely, Adriana

I have had our dane pups covered with Embrace for a few months now. They are prompt with communication. The have answered all my question completely and professionaly. Reimbursements on claims have been simple and prompt. So far I am satisfied with them and feel I made the right choice. I have had decades of experiance with insurance companies of all sorts - I am keeping my fingers crossed that my experiance with this pet insurace will remain positive.

I recently had my 13 month old Bulldog spayed and was happy that Embrace covered $149.20 towards it. Her Wellness Plan would have covered $200 had I not already used $50.80 on her annual physical and rabies vaccination. As a breeder of Bulldogs I highly recommend Embrace to the new families of each and every puppy that I sell. I had AKC Pet Healthcare Plan for two years before switching to Embrace. All I can say is what a difference!! Embrace's customer service continues to exceed my expectations. I currently have all FIVE of my Bulldogs EMBRACED and the peace of mind it gives me is priceless!!

I haven't had any problems with Embrace. I'm a new customer and my puppy is a baby, so I pray for his continued good health and look forward to gret experiences with the company.

Embrace - So far - very good. 1. Fast Claim response - and follow up emails 2. Embrace paid out more than the last company (PetFirst) for a Wellness Coverage Visit. (Vaccinations) 3. Also received the check in the mail faster than PetFirst.

I recently had a cat, Lightning, pass away from cancer which was totally devistating to me. My vet, witnessing my sorrow from my beloved pet, found a kitten in front of McDonalds. He had a case of diarrhea so they nursed him to health and gave him to me. When I got braden he was so tiny (5 weeks old) and much too small to insure. But when he hit the mark I purchased Pets Best insurance to cover him. Well at about 11 weeks he I noticed that he had just stopped eating and seemed very lethargic. When he fell asleep in his food bowl I rushed him to emergency where they asked about his health history. The only thing that he ever had was that bout with diarrhea, but living your first few weeks at McDonalds can do that to humans. They determined that he had dehydration because he wasn't eating and drinking and sent us on our way. The next day he seemed better that morning but in the evening he began having horrible tremors. I rushed him back to emergency where they again determined that he must just be dehydrated and gave him more fluids. The next day I took him to his vet and she did a complete blood pannel on him and determined that his blood sugar was 30!! That explained the shaking, lethargy, lack of interest in food which were his symptoms and original complaint. Well Pets Best ordered medical records eventhough they had the complete invoices and payment records which is what they claimed is all that they needed. Well, they saw that he had diarrhea when he was found and denied

Our 3 yr old lab Grace ate a small dollup of insecticide. That little bit of poison almost cost Grace her life and us, $4000k in vet bills! If we had had pet insurance we would have faired a lot better finacially. Now we know.

I have had horrible experiences with another very popular pet insurance company years ago in the past, so I discontinued using a pet insurance for many years. When I recently got a new puppy, I decided she needed insurance, as young dogs are very accident prone. There are a lot more pet insurance companies from the last time I had any, but did my research and chose Embrace. Also, I luckily opted to get an orthopedic exam from my vet so any orthopedic problems would be covered immediately without a 6 month wait period, as just a couple months later, she injured her leg. Embrace was quick to acknowledge receipt and to let me know the status of the claim, let me know a check was being issued and followup that I received. I didn't get the runaround that I got from the other insurance company. So far, so good Embrace!

Embrace has been mainly excellent with me. I've submitted 3 (sets of) claims. The first one turned out a bit difficult - maybe because it was my first claim since I got insurance for my dogs, maybe because it was quite large (I found a cancer on my dog's thyroid gland - very scary) - but I really needed the money in the time frame they said it would come. I had emptied my savings in order to cover the surprise surgery, and was carefully budgeting time and money. It made things incredibly difficult when the money arrived about 1.5 weeks later than they said it would, even after I checked with them by phone several times. That said, everyone I talked with was really lovely. Embrace employees are nice people, and it doesn't feel at all like a faceless business. But it wasn't until I called for the 3rd (4th?) time, and explained that my situation was very urgent, that someone actually got on the case (they'd said they started over a week before, but as it turns out, the claim hadn't been examined at all) - at which point it was finished in a matter of hours. And that claim, once it was started, was fully reimbursed - and I even got a call from the guy who worked on it to make sure it all worked out okay. After that, the two claims I submitted were reimbursed (again, fully) incredibly quickly - the first in two days, the second in about a week. There's been nothing to complain about, nothing petty, nothing confusing. I had VPI for my last dog, and whi

I got pet insurance for my cat when my friends cat got his tail chopped off in a door, poor kitty right?? Well she had to pay about 1,500 for a tail docking surgery and different meds. When she told me about that I immediately began thinking about things that my cat,Tiger, does. WOW he is one all way the place cat. on the table off the table runnung and slipping thru my rooms ( i have hard wood floors), also a dog that plays rough! What if something like that happened to my Tiger?? I couldnt afford that and have no credit cards that i could put any expense like that on. Soo I went to the vet to get him his normal shots and i saw the pamphlet for ASPCA healthcare for cats. I looked through the pamphlet and then decided to go online and "check it out." I was looking for accident insurance which is very inexpensive and is perfect for wat im looking for. I decided that I needed to call my fiancee and see what he thought about the insurance. I wasnt off the computer 2 minutes when the phone rang and an ASPCA represative called and said " i noticed you just checked out insurance for tiger? do u have any questions?" and since i did it was soo awesome to me that they called and actually asked me if I had any questions instead of having to wait to call them and be on hold for a represative. So far i havent had any "accidents" but I'm glad that my baby boy has something in case he does fall and hurt himself.