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As an RVT, I see lots of pets go untreated, due to cost (more so in these hard times). With all the better pet insurance companies coming out, we have really embraced the idea of pet insurance and have moved full throttle educating our clients. We recently meet the rep for Trupanion, Robert Segura. He came in to talk to the staff about his company. We decided to try it out, as well as there offer of the first month free for our clients. About a week later we had a client come in with a healthy 8 week old puppy. We gave her, Tiny is her name, her first set of vaccines as well as, strongly, encouraged them to start her pet insurance, they signed up the same day. Less then a week later Tiny came back to us sick with Parvo. Immediately we call Robert, being this is our first claim. Robert was very prompt in helping us get started. Come to find out the client did not sign up correctly, and did not have the first month coverage. Robert went above and beyond for us and Trupanion will cover Tiny even though the client did not sign up correctly. As an insurance company this is a great good faith gesture. Most companies look for any way to "get out" of paying anything. We are very pleased to have found Trupanion and highly recommend it to everyone.

My German Shepherd is with Petsecure for over 2 years. He has been on the all inclusive plan since 8 weeks old. Unfortunately, he always had minor health problems (ear infection, digestive issues). I didn't think we made too many claims as some of them are for preventative care which is covered in our policy. Nevertheless, the premium increased twice in 2 years and coverage decreased just after one year. Soon after, he came down with pneumonia and mysterious disease that cost more than $6000, for a period of 5 months. We just submitted the claim for the whole thing. Hopefully, there's no problem with it. Well, if my dog had been healthy, this plan would have been great as they do pay promptly. But now I see huge premium with less coverage for the remaining years of his life.

I have submitted 8 claims within 4 months and each one has been reimbursed promptly (within 2 weeks). I was nervous the first time I sent the claims because I went to 5 doctors and I thought that they would be suspicious and fight the way I went about finding out whether my dog had cancer (he does not). They did not fight my claims and they promptly reimbursed what I was owed. I am very excited about them because my dog keeps having a lot of illnesses and accidents. I do not know what will happen when they wil be under aetna. However, they just increased my premium.

I have had pets all my life and never owned pet insurance. We have a 10 year old lab mix. Best dog ever! We are so attached to her like many pet owners. Last month she became so ill we didn't think she was going to make it. We would have done anything to save her. After wonderful care from the emergency room she is back to normal. With the economic downturn and all the costs it was hard enough but with the ASPCA Pet insurance, made things much more bearable. Wouldn't be without it.

I purchased ASPCA pet insurance for my 2 cats when they were 11 years of age for a very reasonable amount per month for both of them. About 3-4 months after recieving the coverage one of my cats got very sick the ASPCA reimbursement was very welcome! They have come through for me and the cats time and again. An added note, all of the people I have talked to at the ASPCA have been so very nice, caring and really helpful! And it is nice to know that some of the money goes to help the ASPCA.

My strong recommendation is that you DO NOT purchase ASPCA Pet Insurance (actually operated by Hartville Pet Insurance). They will happlily accept your premiums and then just as happily deny your claims based on "pre-existing condions" using every trick in the book to do so. When they're unable to claim pre-existing conditions, they will minimize the payment based on some ludicrous schedule of payments "in your area" that has no basis in reality. Here are some of my experiences, summarized: 1. Purchased annual policy effective June 2004. This made my annual renewal date June 1st of each year. 2. Paid premiums monthly. Almost all of my claims were nullified by the deductible. When I actually had a service performed by a vet that exceeded the deductible, the insurance adjuster came up with the most ridiculous "reasonable & average" cost for the procedure (which was LESS THAN ONE HALF of what my vet charged (and I checked 4 different vets in my area - all were about the same), and then subtracted my deductable from that. ON A $275 CLAIM, I RECEIVED A CHECK FOR $34. 3. The most outrageous element of their scam occurred when my dog was diagnosed with cancer in May of 2008. The vet scheduled the removal of a malignant tumor for the first week of June. The cost was over $2,400 for the surgery. MY CLAIM WAS DENIED BECAUSE THEY CLAIMED THAT BY JUNE OF 2008 (one week after the policy renewed), THE CANCER WAS A " PRE-EXISTING CONDITION" (i.e. it existed in the prior policy year, which was actually 2 weeks prior). Only the actual filing of a lawsuit by my attorney got this scam shop to pay my claim (and again, only half the actual cost). I STRONGLY SUGGEST YOU CONSIDER THESE ISSUES BEFORE PURCHASING A POLICY FROM THIS COMPANY!

I'd like to commend Embrace pet Insurance on the wonderful service they provide to those of us who love our pets and consider them family members. We have historically spent tons of money on our pets and decided to insure our latest puppy, Ollie, who is now 3. What a smart decision. He needed TTA surgery and is now recuperating from the ordeal. Since this was a scheduled procedure we had the surgery pre-certified which was a breeze and made the process afterwards flawless. Not only was it financially wonderful, but the compassion and tips from everyone at Embrace made us feel like they were holding our hands throughout the entire process. I can't speak highly enough of the entire Embrace team. Thank you from Ollie and his "parents!"

I am very impressed with PETS BEST insurance. They actually called me to tell me that I might be able to get more of a refund than I had expected because they were now covering certain supplements which is very intelligent because it keeps the animals healthier and lowers vet bills. They have good policies, excepting that they still have riders, but they pay out very well and quickly with no hassles. If there is ever a question, they are open to my vets' feedback and resolve the matter quickly. I find them extremely fair. If only we humans could have such good coverage in the United States. Perhaps the congress needs to look at PETS BEST insurance. I always recommend this company to other pet owners.

I have had several pet insurance companies for my pets. You have to read the fine print especially when it comes to continued care for a disorder that occurred in a previous year. Many companies wont cover. I have had a couple of claims with PetsBest and had a problem with one but my vet cleared it up and PetsBest came thru. My subsequent claims have been paid and very timely. Ive had PetsHealth and VPI and would not recommend these insurance companies. Thus far I dont have any issues with them and their payments have come within 10 days or less. However, I have not had any serious complications to cover so cant attest to how they will measure up if this arose.

I have had Pets Best insurance for over a year now and I have to say i am impressed with their turn around time. I also found their representatives to be imformative. I recently submitted a claim for $6000 for a herniated disc and I was worried the claim process would take a long time. I paid for the bill with my credit card and I was afraid it would be a while before it would be approved because of the charges involved. As most know, credit cards need to be paid within 30 days. Well, I'm very pleased to say that I received my reimbursement in less than two weeks. I have submitted other claims and the process has always been smooth.