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I do not recommend ASPCA. They do not return my phone calls and half the time do not answer their phones. We recently sumbitted a claim that should have been covered by our plan, but they denied it for no reason. After we called to dispute, they completely changed our claim, from an injury to an illness. My dog was injured not sick! Shop around before using them!! Also, they were supposed to get back to us and they still haven't. We are canceling immediately and looking for other coverage.

Have never had a claim denied and am almost an obsessive pet owner. If Macy sneezes we go to the vet! Very happy with the coverage. I am on the most expensive plan though.

I have only filed one claim to satisfy part of the annual deductible, but I would definitely recommed Embrace. The premium is very reasonable and the staff is outstanding.

First claim was quick after they received all the information they needed.They were extremely friendly and caring. Better service than my personal health insurance!!

I was looking for an insurance company and policy that was easy to understand and small enough for personal service.I decided to give Embrace a chance. Within a few months of starting my policy, Mugsy had to undergo heart testing-EKG, holter monitor and the works. I didn't think it would be covered but one phone call to Embrace guided me through the process. Because he had no history of heart problems, all his tests were covered. Within a few weeks of submission, I had an E-mail telling me that my check was in the mail. Thank you Embrace! I will definitely recommend you to my friends.

I had purchased Embrace pet insurance for about 6 months and was a bit nervouse with my first claim due to the circumstances. I had an 11 month labrador retriever that became very ill vomiting and with a fever. I had taken him to the Veterinary where they had a cat scan on him and found out they would have to do "Emergency Surgery". For the next 2 days I was on the telephone with Embrace staff and I have to say they were outstanding in customer service, compassionate with me throughout the entire time, especially "Christine". Unfortunately my puppy had to be put to sleep. The staff helped me with filling out the claim and in less than 10 days as they had mentioned, a check was mailed to me. Embrace reimbursed me for almost the entire surgery, which ran over $5,000. When I get another labrador retriever I will definitely use Embrace again, it is worth the extra money. I have used other pet insurance companies but they just pay minimal regular doctor visits.

I currently have two dogs who were both covered by two different insurance companies before I found Embrace. After receiving denial on several claims for my english bulldog from his previous insurance company due to all of his problems being "genetic", I was furios and decided it was time to find new insurance. After discovering Embrace, I switched BOTH dogs over as the cost of coverage was less expensive yet BETTER that our original insurance!! I have worked in both an Animal Emergency Room and at an animal rehab center and the fact that Embrace covers rehab therapy is absolutely wonderful!! I have spoken with many people who work at Embrace and each one not only helped me with my questions, but took the time to just "talk dogs" which is a comfort in this busy world. Thank you Embrace - I spread the word about you to everyone I know! :)

When my previous pet insurance companies rates were raised again, I started to shop around. What I liked most about Embrace Insurance was the amount of options you can choose from. As my dog ages and her health becomes more vulnerable, I can choose to get more coverage. But for now, while she's still young, my coverages can be focused more on accidents that could potentially happen. I love having options!!

I spent every night for a week comparing pet insurance policies looking for one that offered major medical coverage for injuries & illnesses. I had no need for the "frills" so many companies offered like routine care, money for lost dog posters, etc. I just wanted coverage in case, God forbid, one of our 3 dogs ever had a severe injury or illness. Embrace is THAT company!!! I was impressed with the premium to cover 3 dogs ages 1, 7, & 8 AND that they allow the usual & customary fee for services based upon geographical region, not some arbitrary low allowance for various issues. During my comparison shopping, I recall one plan allowing only $500 for a broken leg. When was the last time THEY had veterinary care for a pet??? I also like the fact that you can choose your maximum per year, 3 different ANNUAL deductibles, & 3 different co-pay percentages. It really allows a family to choose the plan that best fits their budget & needs. We haven't had to file a claim yet so I cannot comment regarding that area, but if the personal service & quick email replies I've had to date are any indication of what to expect in the future, I'm sold!!!

I checked a lot of pet insurances, and honestly Embrace is the most resonable one with a great coverage. What I like is that they cover therapy in case of an accident, really few of them do that. Most of them are really expensive. Embrace was at least $10 less than other insurances. I asked a quote and got a fast answer. Sent them an email and got an email back within the hour. The lady I communicated with was really friendly and helpful. I would definitely recomand them to any pet owners I know.