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Rates go up every year though they deny raising rates based upon your dog's age. Very limited as far as what they will cover. For example, my dog had a blood test as part of a preventitive exam - the blood test diagnosed lyme disease. While lyme disease was in fact diagnosed - and diagnostic tests are supposedly covered - they refused to cover the cost of the blood test because it was part of a preventative exam. Denied my claim and my appeal (how can something be preventitive if it diagnoses a disease??). After spending $55+ per month over a three year period for this insurance I decided to call the company to cancel as the coverage is too limited and what they cover is very subjective. When trying to cancel, I was completely harassed by the person on the phone, who tried to convince me to stay. He was demeaning, told me I was making a big mistake, asked me how I was going to afford pay for my dog's healthcare if I cancelled, etc. The treatment I received was quite unbelievable - complete harassment. The company should be ashamed of itself. Avoid at all costs!

Excellence all around. I am very impressed with the quality of service; particularly the reimbursement process for pre-authorization and payment.

I love Pets Best Insurance! The ease of filing a claim and the speed in wich the refund is issued is awesome. They keep in constant contact through email (my preference) every step of the way and there is always the "live chat" option for any questions that I may have.

My dog was bitten on her ear while playing .I took her to the Vet got my bill . I went on line and submitted not for payment . Cant get much easier that than . Payment was approved in less than a week .Check was in the mail shortly after. Due to great customer service I found that I can have the payment deposited directly to my account. Thank you ASPCA

Although the process is a bit cumbersome, I see how that is necessary. Once all the paperwork was done I received my reimbursement. We had not used the policy in over a year. In that time we added and then dropped two pets. My pibble had multiple lesions that had to be removed and the bill was very high. The insurance reimbursed the highest amount and we were more than able to handle the rest. I am so grateful we kept the policy.

I have been very satisfied with ASPCA Pet Insurance over the years. Thank goodness I have not had to use it often, The few times I did, they reviewed my claims quickly and I got a reimbursement in a very timely manner.

In today's world where we deal with so many different companies every day, it's important to recognize companies like Embrace that provide an outstanding customer experience instead of just complain about the bad experiences. Their processes and communications are clear and concise, and ensure that the customer understands every step of the way. Every employee I've ever worked with throughout the claim process has treated me respectfully and treated my claims with the utmost care and professionalism. Kudos to all, and WOOF from my Bear!

ASPCA Pet Health Insurance consistently helps me defray most of the costs of caring for my beautiful dog, Nellie. The personnel are kind, gentle, and knowledgeable. I am very pleased.

EYE PROBLEMS SINCE 2 YEARS OLD ASPCA HANDLED GREAT HIPS PROBLEM THE PAST 2 YEARS, MY CLAIMS HAVE BEEN HANDLED GREAT, INFORMATIVE ON A MONTHLY BASIS. ONLY I DON'T BELIEVE IT TAKES ALMOST A MONTH TO PROCESS AN ONGOING CLAIM. I ALSO HAVE ANOTHER DOG ON MY INSUARANCE, A ROTTIE WHO IS 5 YEARS OLD. SHE WAS BORN WITH A HEART MURMUR AND WHEN WE FIRST GOT HER SHE NEED MANY CARDIOLOGICAL TESTS, AND IT WAS A GREAT PIECE OF MIND THAT ASPCA COVERED MOST OF THE EXPANSES(NO CHOICE TO SELECT MORE THAN 1 PET)

One of the best pet insurances by far. They not only pay the 90% (less very low deductible) they follow up after the case to see if your pet is progressing well and willing to answer any other questions thereafter. They even converse with the vet since I was caught up in my dog's care.