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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?

ASPCA pet insurance is a very thoughtful policy. They take into consideration all possible circumstances surrounding pets and try to accommodate benefits. They are also very efficient in there turn around time when you submit a claim. And they also keep in touch as to where they are when processing. ASPCA pet insurance is also very affordable.

I have been with Petshealth Care Plan for 16 years now, and would recommend them to anyone with a pet. Having pet insurance has been piece of mind to me, knowing that I didn't have to make medical decisions about my pet based on money. Knowing I would be getting reimbursed for 80% of the usual and customary price for a covered charge helped when my pet needed ACL surgery and followup rehab. I will not lie, insurance is a bit expensive as the pet gets older, but I have been able to customize the level of insurance to suit what I can afford, and what is practical for my aging dog. It might not be for everyone, but I know that if there is another pet in my future, he will be insured with Petshealth Care Plan too.