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Sadly, my dog has had her fair share of Embrace claims but of all claims I've submitted, I've had zero issues with Embrace paying out. My dog has been diagnosed with lymphangiectasia caused by IBD and most recently Lymphoma in a matter of 2 years with Embrace. Embrace has paid out 80% (per my policy) every time with no excuses and very minimal additional information from our vets. This includes ultrasounds, xrays, tons of bloodwork, chemo, and all her medications. Only thing is they don't cover the more holistic supplements with their insurance plans but I've used their wellness plan for that and it covers 100% until those funds are depleted. Their wellness plan also allows you to get reimbursed if you buy supplements online too! I get my reimbursements back in less than a week most of the time, or up to a week at the most and vets are amazed with how little they are hassled for special letters, additional documents, etc that they have needed to provide other companies that request them but still don't pay out for the services. Our oncologist is now recommending Embrace to all their clients because how fast they saw I was getting money back. I'm in there weekly and I have the funds in my bank account by the time I'm in there the next week.

Having pet insurance from the ASPCA has been a true blessing. I have piece of mind knowing the ASPCA is here to help us provide the best possible care for Simba

This is an awful insurance policy. They do NOT cover claims. I submitted something after the standard 14 day waiting period and it was flatly declined as they decided that my pet had this condition in the past. This is despite their research into the history of my pet. Very disappointed in their treatment, service and the manner in which they process claims. You will never get money from this company. Don't buy it.

Since our little bundle of joy Buttons has been aging , her medical problems have been increasing. We made the very important decision to purchase ASPCA insurance 5 years ago and have had no regrets. We have submitted a few claims over the years, most recently one for lung cancer as well as an enlarged spleen. Without the assistance of this very valuable asset , we would have had to spend thousands of dollars to keep our dear pet alive . We have recommended the ASPCA to those we've come in contact with for their pets as well. Thank you ASPCA.

Our male cat Possy had gastritis and vomiting again, he had it last year too. I don't know what we would have done without Trupanion insurance as the vet expenses were very high to treat him. The fact that the deductible was already met is a fantastic benefit. Trupanion responded quickly to our claims. We are grateful to be able to help our cats when they are sick.

Our male cat Possy had gastritis and vomiting again, he had it last year too. I don't know what we would have done without Trupanion insurance as the vet expenses were very high to treat him. The fact that the deductible was already met is a fantastic benefit. Trupanion responded quickly to our claims. We are grateful to be able to help our cats when they are sick.

Our male cat Possy had gastritis and vomiting again, he had it last year too. I don't know what we would have done without Trupanion insurance as the vet expenses were very high to treat him. The fact that the deductible was already met is a fantastic benefit. Trupanion responded quickly to our claims. We are grateful to be able to help our cats when they are sick.

Our male cat Possy had gastritis and vomiting again, he had it last year too. I don't know what we would have done without Trupanion insurance as the vet expenses were very high to treat him. The fact that the deductible was already met is a fantastic benefit. Trupanion responded quickly to our claims. We are grateful to be able to help our cats when they are sick.

My dog was vomiting daily for approximately 2 weeks. Blood work was normal and Xray was normal. Called Embrace to see if an ultrasound was covered. I received the precertification form for my Vet to fill out and it was approved the next day. I received my check approximately 4 days later. Best decision I made was to get pet insurance and I never had a problem with Embrace.

Before our French Bulldog, Frankie, came to our home I researched pet insurances knowing that Frenchies tend to have issues over their lifetime. I chose Healthy Paws and cannot say enough about them. Frankie recently had soft palate surgery and had to have his nostrils enlarged. The breathing issues were causing stomach problems as well. We had been to the vet and under different medications for several months. I was referred to a specialist who recommended the surgery plus biopsies, bloodwork, x-rays and ultrasound. I submitted my claims to Healthy Paws and immediately received a confirmation that they were being reviewed. Within days my claim was approved and checks were on the way. In total I have received over $5,222 back out of $6689. The amount I paid was my yearly deductible of $100 plus 10% copay of covered items, which are the levels I chose for Frankie's coverage. I only wish that "people" health insurance would be as simple to deal with as my pet's insurance!