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My claim of $571 was fully paid less my $200 deductible and 20% copay. No ifs, ands, buts. Good job!

I have had ASPCA Pet Insurance for 7 years. My dog is 13 and the older she gets the more health problems she has and some of them are ongoing conditions. ASPCA will only pay for one disease and one occurrence. She had a blood test 2 years ago which showed elevated levels in her liver, she never had any treatment or diagnosed with liver problems. However, since her levels were elevated they will never pay for another blood test nor matter what the reason. She also showed a mitral valve problem two years ago but no treatment or medicine required. However, since she was diagnosed with the mitral valve problem they will not pay for any treatment of Congestive Heart Failure and the chronic Bronchitis she now has. She has never been diagnosed or treated for Congestive Heart Failure or Chronic Bronchitis before, however, ASPCA will not cover either of these illnesses or treatments. They will not cover any of her medications. So if your dog or cat has a thyroid problem which cannot be cured forget it they will pay once but never pay for the meds again. I have the proof. Don't buy this insurance they will leave you high and dry.

Other than not covering recurring illness I am pleased with the insurance and the service of the personnel.

I am very happy with Healthy Paws and their customer service. They respond to all claims quickly and clearly explain what is eligible and what is not. In addition, they seem to genuinely care about your pet. While you never want to need to use your insurance, my shiba did end up needing major surgery. Healthy Paws provided excellent service.

I had never had pet insurance for any of my dogs growing up (golden retrievers). After seeing a family members dog pay over $3,000 to diagnose a bloody nose, we decided to get pet insurance when we got our dog. I had done a lot of research (about 2-3 years ago) on all different pet insurance, because obviously we wanted to get the best care for our money. We went with ASPCA, and are so happy we did. Our golden was diagnosed with cancer about 5 months ago, and boy did that pet insurance come in handy when it came time to pay vet bills. We had questions a couple times about the insurance/ filling out the claim form and the staff at ASPCA were very helpful. Unfortunately the cancer treatment did not work and our dog passed away about a month ago. We contacted ASPCA to end our insurance with them, and they brought to our attention that because we had the continuing care we would be reimbursed up to an additional $1000 for medical expenses. I thought , what integrity! They could have waited for us to ask about it. We were obviously upset about the loss of our dog and probably would have forgotten to even inquire about any further reimbursement. I like that they reminded us about it. They even sent a sympathy card to us...all touches to just show they really care. When we do get another dog in the future we will definitely go with ASPCA insurance and would highly recommend them to others.

I have been paid for this claim but I feel the communication between people at Embrace is a little fractured. I sent all of the appropriate paperwork on this claim probably 5 times until they emailed me back asking for it again. Also, it seems that I had a claim when they're trying to implement a new claims system and it took a month. Aside from that, the paid as expected.