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Came around to Embrace when my dog was already a senior, and wish I'd found them sooner. Now in second year of policy on my 11-year-old lab, and after several transactions I can definitively say they are an excellent company. I like that I had a list in hand of excluded pre-existing conditions when we started, and I like that they've kept their word about coverage without some of the shenanigans other companies have trotted out. Thought their annual premium increase was reasonable, and they are always fast to respond to questions. Best of all, I don't get e-mails about how they're delaying a claim pending additional paperwork. More pet insurance companies should follow their lead.

Our 8 1/2 year old Cocker Spaniel was diagnosed with patellar luxation which will require possibly two surgeries. We have had VPI since we got the dog from the breeder, and figured someday we will get our premiums back for future claims, as many if not all routine claims were reimbursed at a very low rate, if at all. Well here we are 8+ years later, and guess what? NOT COVERED!!! I don't know if this is just VPI, but suspect it is the same for all pet insurance companies, so my overall rating will be middle of the road.

My Colt is elderly and has Irritable Bowel Disease, requiring frequent vet visits and bloodwork - my claims are paid every time, with no pre-existing labels or other ways to get out of paying. Typically the claims are processed within a week (many times sooner). The client reps are extremely pleasant and I love the pics of their babies in the emails. I will never use another company!

My boy Archer tore his CCL and needed to undergo tplo surgery. I was a bit nervous because it is an expensive surgery that requires a few lifestyle adjustments for you and your pup while they heal. Healthy paws covered everything they say the covered without question. They will have my business for life and I make sure anyone I know that is looking for pet insurance knows about them.

Quick claim process and excellent customer service, highly recommend!

I had Aspca for my Great Pyrenees 2007-2011 and then she got sick and we had to have her put to sleep so the next dog we got I tried another company and it was nothing like dealing with ASPCA I cancelled them and brought her over and then we got another so she is also with them and I will never change again they are the best...So great to deal with and prompt service...they have my vote all the way!!!!

I have had a policy for my pet dog, Max, for quite a few years. It provides a degree of comfort knowing that I will be covered in cases of serious illness. Max has had a few instances where this insurance really helped. ASPCA Pet Insurance is a top-notch company, and the customer service is really of excellent quality. Claims are processed quickly and fairly. I would recommend ASPCA Pet Insurance to anyone who needs it.

Submitting claims is very easy, and there was no hassle or haggling. Thank you for a great experience !

My Bernese Mountain dog became very ill, root cause never fully found. He was hospitalized twice and had all kinds of tests and procedures. I expended my full insurance. Embrace paid as advertised ad with no question. Don't know of any better company to deal with. They were excellent... 10/10

Very disappointed with outcome of appeal.