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I have had 2 types of plans with ASPCA. I had an emergency plan that I didn't think I'd ever use. Unfortuntately, it came in quite useful when my cat became seriously ill, and ultimately passed at only 1 year of age. The customer reps that I contacted both online and by phone were very helpful and supportive. I purchased another contract for my new kitten, and have also experienced wonderful service. My questions are answered promptly, and claims are handled in an efficient manner. I would and will purchase again.

Embrace has been nothing short of fabulous as we've coped with our dogs surgeries and rehab. They are prompt to respond to emails, quick to provide confirmation that they have received information, friendly, helpful... I cannot say enough positive things about our experience. They honestly exceeded my expectations. I've just recommended them to our dog walker who has not had a good experience with her own pet insurance company. I'm hoping she'll spread the word throughout our neighborhood.

I know have Petplan Insurance for my new dog, with the AKC pet insurance plan, I had to euthanize my 8 month old Rottweiler because they said they wouldn`t pay for his hip surgeries because it was hereditary. Petplan is one of the few insurances that covers hip dysplasia operations and my little guy would have been alive, now.

They paid what they promised in a timely manner, and they were very nice to deal with. I would recommend them over all of the other pet insurance companyies.

I have a very sensitive dog... his breathing,ears, and stomach are very sensitive to everything. We see the vet quite often and have been with the Embrace people since he was a puppy.As everyone knows, vets can be pricey but we have always had an awesome experience with our insurance.

When my dog was diagnosed with hemorrhagic gastroenteritis, the vet asked for $1700 up front for 3 days' hospitalization. I was concerned when I received the final bill as to what the insurance would pay. To my pleasant surprise, Embrace paid every nickel other than my deductible and 10% share of cost. I have recommended Embrace to 3 of my friends who were impressed with my story. One is changing from another insurance, and the others plan to initiate coverage.

We have had other insurances for our goldens (VPI)and we found their reimbursement not anywhere in line with what our vet charged. After thoroughly researching and comparing numerous canine insurance company plans and after several calls and emails with their professional customer service, we chose Embrace. We found that Embrace reimbursed according to charges for the area. A month ago and a little shy of 6 months after registering with Embrace, our 3.5 year old golden was diagnosed w/acute pancreatitis. We rushed him to the emergency clinic, since it was the weekend and our vet was not open. Extensive blood testing was done. X-rays were done. He ended up staying a whole day & night on I/V at the clinic, constantly being monitored. The following Monday a.m. they transported him to our vet where the monitoring and I/V continued as well as blood testing. Their customer service is excellent. Claims we faxed were promptly acknowledged via email and reimbursement was received promptly. The bill ended up being over $2000 and Embrace reimbursed us for everything they said they would. Thank you Embrace!

We have nothing but great things to say about Embrace- very professional, customer service is through the roof- you can tell they really care about you and your pets health, claims are turned around so quickly, their coverage is phenomenal, they have many options to customize your policy and it's really easy to understand! I try to tell everyone with a pet about Embrace- the best out there!

VPI - Veterinary Pet Insurance is much easier to deal with in terms of claim forms. They are slightly less expensive than what the other companies quoted me. I left Pet Partners for VPI and I am happy I did.

We purchased a plan with PetsHealth (Hartville group) in 2005. Not very many companies offering pet insurance at the time. We found out that after the first year of coverage, our dog started loosing benefits because the clause in the contract stipulated a waiting period of 180 days from inception. They changed this to 180 days between cycles (annual). Which means any chronic condition will not be covered after 1 year. Our pure breed was diagnosed with a skin disorder and found out that since we treated him in November with an OTC for itching he bacame ineligible for coverage to see a dermatologist and all subsequent treatments because 180 days had not passed. We were also threatened if we cancelled our policy early we would encure penalty fees. We requested a high review of the claims and had to constantly call them for a status update. Once we got ahold of someone willing to tell us what happened they were rude and condascending. Now that we cancelled our policy all of our dogs issues will be considered pre-existing and not covered through another vendor.