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What a year we have had. First my then 11 month old Lab (Kaiya) required surgery on her leg. Now just 7 months later my 4 year old Lab (Kiara) required shoulder surgery. I submitted my pre-cert claim for Kaiya and received a very fast response approving the surgery. What a huge relief that was. Then as the surgery bill and then subsequent therapy bills started to roll in, I began to worry. I heard so many horror stories of other insurance companies threatening to drop someone for overusing their insurance! But no worries with Embrace - with each claim submitted they approved it and not only did they approve but even inquired on how Kaiya was doing and sending their best wishes! You don't get that often. Happily Kaiya has fully recovered and Thanks to Embrace for making it easy. Then I find out Kiara needs surgery. Again the slight worry that maybe now I would be told I am over-using my policy - but once again Embrace came through with a speedy approval for surgery. While at the vet's I ran into an individual whose dog was having the exact same surgery only his insurance story was not as good as mine. His insurance company wanted to deny payment and he had to go through a long appeal process in which he was still waiting for the final outcome. There is no way I could have afforded to pay for two surgeries within a year. Embrace afforded me the opportunity to seek and receive treatment for my girls. Kiara is well on her way to recovery thanks to Embrace. Their customer service is outstanding, they have a quick response time and always take the time to answer my many questions. Their dedication and true concern for the welfare of my 3 labs is incredible. They truly represent the best of the pet insurance industry and I highly recommend them to anyone who is looking for pet insurance. I don't know what I would have done without Embrace!

I have worked for a vet for almost 10 years, so I never needed insurance for any of my pets. I will be leaving him to relocate this year. So, not knowing where the closest vet would be and where I would be working, we decided to get pet insurance. I called and spoke to 6 different companies. Most of them had extended hours and I was able to call after work. Embrace was the only company that I found hard to get a hold of and almost just excluded it as an option. After looking at the other companies that I had chosen, I narrowed it down to 24PetWatch’s insurance. However, after calling them back, I decided against it as they told me that if my puppy had a ongoing issue, they wouldn’t cover it past that policy period unless it was deemed cured and remained cured for 180 days. I was sitting at home debating with my fiancé with what we should do… nothing seemed to appeal to us. That’s when we decided to give Embrace a call. The customer service was UNREAL!! I called 8 or 9 times within 2 days to ask silly questions, and not once did anyone get aggravated or annoyed with me. In fact, they encouraged me to call with any questions I may have. When I call in now, they know me and immediately want to know if my puppy is ok. As far as I understand, Embrace is a GREAT company, as long as you get the insurance before ANY problems arise. I’ve heard that if something happened before insurance, and something similar happens after the insurance, no coverage. For instance, diarrhea is a common issue of puppies in a new household… due to environment changes, food changes, even intestinal worms. If that puppy has diarrhea 6 months later, he isn’t covered because it’s a “pre-existing”… even though the reason for the diarrhea is completely different. So, if you are looking at insurance for a puppy that has had NO problems, this is a GREAT program! However, if you want to get it for a dog that has had ANY problems, I would recommend you do a Medical History Review with them! They will get the past 2 years history on your pet, and then let you know what they will not cover. The problem with this is that you have to be insured before they do this for you… but you have a 30 day money back guarantee if the plan will not cover what you want it to cover.My puppy has the wellness coverage, and luckily, that’s all I’ve had to use so far (for neutering and microchipping, and a couple vaccines). Since I work for a vet, that $200 takes me pretty far. =) Pet Insurance is all about preference… what you want it to cover, what is “pre-existing”, how much you are willing to pay, and where you live.

Petsecure was there for us all the way when my twelve year old border collie-cross was diagnosed with a brain tumour. She had neuro surgery to remove the mass and nine months later remains tumour free. Petsecure reimbursed us nearly $20,000 in vet bills, something we could not have managed on our own. A pet owner's financial situation should never have to be the deciding factor when it comes to providing treatment for your pet. Fortunately for us it didn't have to be thanks to Petsecure.

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.

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!