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I had some cases when my pup got sick and the vet asked if we wanted to follow certain course of treatment and for a moment I wondered, what is the other option, let her suffer, or worse? And then I realize, some treatments are so expensive it is a valid question from the vet. I, like most pet owners, would do anything for my pet, but that comes with a price, well Healthy Paws has always been there, and the reimbursement checks come back quickly and without questions! I mentioned this to other dog owners in the park and I'm glad some of them took notice, so far three of Bella's friends (Spot, Saxon and Coco) had similar experiences with Healthy Paws, the best!

My dog was having seizures and required an MRI and spinal tap to determine the cause. Embrace pre-approved the procedures and once the diagnosis was made, I received a check from Embrace very quickly. I found that medication costs were quickly reimbursed as well. The customer service is exceptional. The representatives are courteous and attentive. So happy I have this insurance.

Embrace is great! I have 4 dogs and have had all good experiences!!!! I have recommended Embrace to friends and colleagues.

I have an eight and a half year old lab mix. She tore both ACL's and had three surgeries before she was 4 years old. Without pet insurance I would still be paying back what I owed. The only drawback is if your pet comes down with an ailment in your coverage year, and the ailment returns after your policy renews, your pet is no longer covered unless your pet is "cured" for 180 days. That is the only reason why I will not rate this service a perfect 10.

I have multiple pets insured with Pets Best and have always founds them to be responsive and speedy on reimbursing claims. My now-10 year old domestic short hair cat's policy recently came up for renewal and and I was stunned to see the rates rise from $416. (including multi-pet discounts) to $532.00, a nearly 30% increase. When I called to complain, I spoke with a representative (Jennifer) who gave me the old line about increased risk, location, breed of animal, etc. And I do understand that a rate increase would be in order as a pet's age increases. But 30%? And, I wondered during our conversation, what happens when the pet turns 11, 12, 13? Since my cats and dogs) have generally reached a ripe old age, at what point does the cost become too prohibitive to continue to insure a pet? Jennifer's response was that there was no guarantee that the rate would not keep rising. What really got a laugh from me was Jennifer's comment that sometimes rates go down. I asked her for an example and she stated that young pets tend to have more accidents and illnesses that lessen as they get older. I then wondered why my four-year old rescue, whom I adopted as a baby, has yet to see a reduction in premium. (I just renewed his policy for nearly $500.00). Pet insurance is, without doubt, a valuable tool to safeguard our pets; however, the exponential rate increases will eventually put most people out of the market as their pets age. Absent these ever-increasing premium hikes, my overall rating would have been close to the top; however, because of the incessant costs of insuring pets, I have to lower my rating to a 5.

My cat, who's a foodie, was losing weight and we weren't sure why. My vet examined her thoroughly and had blood work done. Embrace covered the exam and blood work costs, and I had no worries.

ASPCA Customer Service has been tip top. They are always helpful, informational and patient with my questions. I have the accident insurance which has been very helpful getting reimbursed for large vet bills. I recommend ASPCA to any pet owner.

Ended up filing a claim this year after my dog was injured by broken glass and needed stitches. The claims process is easy, direct deposit was quick, and customer service followed up on a call to see how my dog was doing. Very happy with the service!

4 months ago we got our new puppy, after losing our last boy to kidney disease. I was very concerned about getting a new pet after all the sadness of our last experience (not to mention the medical costs which weighed heavily on our family)But happily Embrace has given me peace of mind! Our boy Captain has used his Embrace 4 times already for well visits and 2 GI incidents. One visit cost us $1400 and embrace covered everything but our deductible! I love you Embrace! You've made it possible for our family to own a pet again without the stress of financial ruin. (and submitting a claim is the easiest thing I've ever done)

I was always reluctant to look into getting pet insurance. Why I don't know. I have had ASPCA insurance for about 3 or 4 years now on my beagle. So glad I did it. It's very easy. Pay your vet at the time of visit, submit the bill with the claim form. Turnaround time for reimbursement averages about 2 weeks. I tell everyone, my friends, coworkers and people I meet in the vet's office how great ASPCA pet insurance is. Everyone says they should look into it too. Some people will ask for the website address. I also like the fact that many times a Customer Service rep will take the time to just give a call and ask how my beagle is. Great company and great service. So glad I finally did it. Why don't you?