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My shorthair orange tabby Earl has had a very bad year with a series of illness - vomiting, urinary tract infection, bladder stones, and a malignant tumor in an adrenal gland. The ASPCA plan has paid something on each claim (so far) with explanations after a careful review of the bills I sent. Having this insurance really helped defray the expense of treatment and allowed me to have definitive tests done to help alter his diet and to reveal the tumor in the adrenal gland which was recently removed. Earl seems to be doing fine at this time.

I have been with 2 different vets and each time i would get script renewed,the amount that was allowed was always lower than the amount I paid. I once had a script that the cost was lower than the previous month, and they still lowered the acceptable amt. When I called them up on it they just kept repeating the policy. When I questioned them that the previous month was higher allowed than the this months lower one they had no answer and were very short with me. When my expiration date came around they would not let me go to the next level like they had stated a few months prior. They told me to wait till mine expired and call them the next day and they would move my one dog to the next leve to continuous care, Now she has to be free of the the illness for 180 days before anything can be submitted. So, you get 80% of what ever they think is customary at that time no matter what your cost at the vet was prior. If I know that was the way they worked, I would not have signed up with them to begin with. I am now seeking other options. You should too.

I have been with the ASPCA pet insurance plan for less than a year, but it has been helpful already. I have a wonderful cat, Chaos, who has a cancer known as “Squamous Cell Carcinoma. Very few, if any cats survive this type of cancer. Chaos was given very little change for survival; however, he has amazed all of his doctors and is expected to live longer than they expected. I am on a retirement income and having ASPCA Pet Insurance has allowed me to provide Chaos with emergency care and his regular doctor’s visits while giving me some comfort from a financial stand point. Emergency hospital visits for animals are very expensive and the fact that I had pet insurance helped ease my worries. I highly recommend Pet Insurance especially when both you and your animals are seniors.

We got insurance for our puppy after she swollowed an earring and had to get emergency surgery. And thank goodness we did cuz we had to get her into surgery again for a genetic liver shunt and when i sent in the claim, customer service kept me updated and even when i missed some paperwork they did the calling for you. So far i am very happy that i chose to go with embrace.

The continual communication is fantastic. They are top of the line in keeping in touch once a claim has been initiated. I didn't read closely enough and didn't get as much out of my first clainm as I could have - not their fault! it was all there; I justmissed it. That's why I noted in the One-line Summary to read your policy. There are two different parts they pay on: Wellness and Illness. One you need to get a physical within the 14 day waiting period; one you just need vet records. I didn't "get" that. So, when I needed coverage for a claim that was covered for both situations, I qualified for one but not the other. Embrace was wonderful, though, as any other pet insurance company would have just used it as a way to get out of paying anything on the claim. They contacted me, told me what had happened and why they couldn't cover one part but also that they were going to split the claims apart so I could get reimbursed for the part I did qualify to receive a benefit. That was amazing! I faxed the information they needed to complete the process and received my check, even with all the confusion of coverage, in three weeks from my vet visit. They really are better than all the rest.

I really enjoy have Pet's Health Care Plan for my two dogs. It's economical and reassuring to know that my dogs' medical needs will be taken care of. 3 years ago I lost a dog to brain and bladder cancer and was so grateful for having pet insurance. I was able to give my dog the treatment he needed without having to worry about the cost. When he passed away, the office staff sent me a condolence card; which really meant a lot to me. It's easy to file claims with Pet's Health Care Plan and it doesn't take very long to get reimbursement.

I have covered my dog with insurance from Embrace for a year and a half now and submitted my first Wellness claim - they communicated with me throughout the process and I received the check prompty.

If only human health insurance had such great customer service! I have been a customer of Embrace pet insurance for a couple of years and have found that their claims submission and reimbursement process worked seamlessly as promised. They are always professional and promptly notify you when a claim was received and when it will be paid. Although their rates may not be the cheapest out there, they deliver exactly as promised. Their process is simple and straight-forward which is exactly how any kind of insurance should work.

I was very happy with the way my very first claim was handled. One of the best features was how the company communicated with me letting me know they received it and was working on it, then that the check would be mailed. Also I appreciated the little time it took to process my claim. Thank you

don't waste your money on this one. i tried it, turned it claims, was always turned down, but they wanted to renew and take my money again, but i cancelled. won't ever use this one again