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I have just initiated a health plan for my dachshund Smitty, and havefiled no claims, so my comments are based simply on the start-up process - which has been excellent - especially in comparison with my attempts to obtain coverage from another server. The other server made it almost impossible to proceed, so I didn't. Smitty was adopted from an animal shelter, and his medical history is a little sketchy. But he was thoroughly checked out before adoption, and again by my vet. Nevertheless the other server wanted documentation that did not exist, they were plod-slow in responding, and ultimately I got on the internet and did some research. Smitty was approved for ASPCA Health Care almost immediately. I have had a series of follow up questions, and each of them has been answered promptly, by a human being, and not by auto-response. We all have had personal experiences with insurance companies bordering on the inhumane. At this point, I will put my trust in this program; if developments change my outlook, I will update these comments.

We have had the AKC policy on both of our dogs for about a year now. We have had no problem submitting claims or receiving payment in a timely fashion. They have paid all claims appropriatly. Our only disappointment was to find that they did not cover congenital diseases such as hip displaysia. We may look into another plan that does cover ALL congenital conditions. Other than that, I would say this is an excellent plan.

After it cost me over $1000.00 at the emergency vet the day I lost my Golden Retriever, I started looking at my CKCS thinking he was getting older and I could use pet insurance just for the emergency and major health concerns. After looking at several plans and ones that would reasonably insure a 10 year old dog, I chose ASPCA. I live in Maryland and there is a law in this state that says when an insurance plan goes into effect, it must be in effect that day. One of the Customer service rep's told me about this. Little did I know at that time how much I was going to need this. I was planning on getting a puppy from rescue so I took my 10 year old in for check up and titers on the 8/04, 4 days after the plan went into effect and the vet found nothing. Two weeks later when I was scheduled to bring my dog back in for vaccination, I found a large lump on the side of his throat, at first I thought the lymph node was enlarged and since he had a history of ear infections I thought he had another. I refused the vaccine at the vet's though, and insisted on seeing the vet to find out what this lump was. Turned out it was not his ears, but a growth in his throat which the vet said then needed to come out "yesterday". He had surgery the very next day and the news a few days later was that he has "tonsil squamous cell carcinoma". I immediately scheduled an appointment with an oncologist. As you can imagine the bills were mounting up fast here for my little guy. I called customer service and after they realized that I lived in Maryland and my dog would be covered they have been wonderful! I had only paid the first premium, and they are still paying 80/20 split ($100 deductible) for my dogs medical bills. You can't imagine how much of a help this has been for me and I had only started paying premiums! I don't know why this company does not have a higher rating here. Special thanks to all the customer reps who have helped me at ASPCA Pet Insurance, and have been so wonderful with my many phone calls to you with questions.

I have three dogs all at different stages of there lives and all with completly different personalities.One standard blanket insurance policy doesn't work for all 3. The great thing about this insurance is it let me pick what type of coverage a I wanted for each dog. that really helped a lot to be able to get a plan based on each of their induvidual needs. Thanks so much!

I recently transferred my five pets' insurance fromPetshealth to PetPlan because of Petshealth's denial of renewal for conditions occuring in the previous policy period by labeling them as "pre-existing". Moreover, Petshealth will not cover dental disease of any kind unless it is an emergency that involves extractions of teeth. Thus, gingivitis is excluded, as is periodontal disease necessitating treatment under anesthesia. Equally disturbing is the ASPCA's lack of responsiveness to complaints about Petshealth. I have contacted both the Marketing Manager and the CEO of the ASPCA and have not received the courtesy of a response from either.

WOW and more WOW (or should I say Bow Wow!!) I thought I was really going to get the run around. This is the first time I ever dealt with pet insurance and when our poor pit bull Ginger broke her leg and the cost was close to $3,000 (had to take it from my twindling 401K) and I am 63 years old I was devastated. The ASPCA came through with just about one-half the cost. I was most relieved. I cannot thank them enough for their pleasant manner on the phone and lessening the tremendous anxiety I was feeling.

I recently signed up for insurance for my dog. Somehow I lost the policy paperwork. I e-mailed a gentleman at the company and he e-mailed the documents back to me in minutes. What could be better service than that?

One very positive remark I have to say about ASPCA and that is the way their Customer Service works: excellent. Now, for reimbursement of claims, I have been with this insurance for only a year and every time I submit a claim I had problems in being refunded, there were always something to their benefit. Otherwise, these days is better to have a pet insurance in your loved four legged than nothing.

I recently switched to Embrace from VPI this summer. I sent a claim through, hoping that it would be handled better than my prior service with VPI. With VPI, I felt like I was looking through paperwork to see how everything was covered under the insurance. Embrace itemizes everything for you, and shows you what is, and what is not covered. The medicine, doctor re-check exams, and hospitalization was ALL covered. I will definitely say that EMbrace is the poilcy that I know I can trust.THANKS EMBRACE!

I don't understand why there are so many bad reviews about this plan. I have not been able to find anything for such a great price. There is really no uncertainty either. You pay the rate. Your yearly deductible is $100 (cheap!) and then you get reimbursed 80%. I love Petshealthcare. I recently had a bill for over $1000.00 because my baby was throwing up non stop. He was hospitalized and on an IV. I received a check for over $800 within a week or 2 after he was released. And, I live in CA. I have never had any issues with claims regarding unfair reimbursement amounts based on my zip code. Since I have had Petshealthcare,my dog has had at least 3 claims, and each one was handled very well except for 1 time. However, this time I appealed the denial, and I won. I was very impressed that they took the time to re review my claim. And, every time I call the customer service line, everyone is very friendly and professional. I used to have VPI because everyone seems to recommend them. I do not want to bad mouth them, but they were horrible. They sent me a UPS letter to cancel my policy because they accused me of knowingly failing to report my dog's pre exisiting condition. No phone call, nothing! Just a cancellation letter. The only bad thing I can see about Petshealthcare is the whole pre existing clause. I guess if the dog is sick 1 month before renewal, there will be some issues. However, if you call their customer service and talk to someone, I bet they could explain that part better. Overall, it is still a great deal, especially for my 2 boys who are always ending up in the emergency room or getting a bee sting or an ankle sprain or something.My older dog has had all kinds of troubles and diseases. I love my dogs like they are my kids, and I feel comfort knowing we have this coverage.