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WE have had ASPCA Insurance for about 18 months now and have had claims for check ups and illnesses for both dogs. Pluggy recently developed diabetes and ASPCA is not only helping with our bills, but they call to check in on the guys. My own health insurance doesn't do that! I appreciate their quick claim processing, as well as the transparent manner in which they produce their claim response.

I have had ASPCA Pet insurance since I brought my baby boy, Bubba, home. It helped when I had him neutered and then when he started having knee issues, the insurance was extremely helpful in covering the expenses that we had for PT, meds, X-rays, and follow-up trips to the vet. Unfortunately, we were not able to keep Bubba from completely tearing his TTL. He had the surgery and the insurance coverage was extremely helpful in covering a large portion of the over $5000 worth of bills.

I have multiple pets insured with Pets Best and have always founds them to be responsive and speedy on reimbursing claims. My now-10 year old domestic short hair cat's policy recently came up for renewal and and I was stunned to see the rates rise from $416. (including multi-pet discounts) to $532.00, a nearly 30% increase. When I called to complain, I spoke with a representative (Jennifer) who gave me the old line about increased risk, location, breed of animal, etc. And I do understand that a rate increase would be in order as a pet's age increases. But 30%? And, I wondered during our conversation, what happens when the pet turns 11, 12, 13? Since my cats and dogs) have generally reached a ripe old age, at what point does the cost become too prohibitive to continue to insure a pet? Jennifer's response was that there was no guarantee that the rate would not keep rising. What really got a laugh from me was Jennifer's comment that sometimes rates go down. I asked her for an example and she stated that young pets tend to have more accidents and illnesses that lessen as they get older. I then wondered why my four-year old rescue, whom I adopted as a baby, has yet to see a reduction in premium. (I just renewed his policy for nearly $500.00). Pet insurance is, without doubt, a valuable tool to safeguard our pets; however, the exponential rate increases will eventually put most people out of the market as their pets age. Absent these ever-increasing premium hikes, my overall rating would have been close to the top; however, because of the incessant costs of insuring pets, I have to lower my rating to a 5.

They cover everything they should without argument, and the reimbursement is fast.

My cat, who's a foodie, was losing weight and we weren't sure why. My vet examined her thoroughly and had blood work done. Embrace covered the exam and blood work costs, and I had no worries.

ASPCA Customer Service has been tip top. They are always helpful, informational and patient with my questions. I have the accident insurance which has been very helpful getting reimbursed for large vet bills. I recommend ASPCA to any pet owner.

I just ordered insurance for my Border Collie puppy through Healthy Paws. After I purchased the insurance, I received an email confirmation that also stated that they charged my credit card a $25.00 setup fee. Even though this fee is small, the fee was not disclosed on their website and it seems dishonest to me for them to assess a charge without telling you about it up front. I purchased insurance through this company because of their high ratings but this is not a good way to start out a business relationship by adding hidden costs to the policy. Consequently, I am giving them a 2 rating for dishonesty. I may raise their rating later if I have a claim and they perform well.

Terrific customer service, very helpful in getting claim processed.

My dog was diagnosed with Pannis (an eye condition caused by ultraviolet rays) My claim was denied, based on Pets Best concluding this was a pre-existing condition, they had no proof bringing them to this conclusion and she had never been seen for this condition. Very disappointed, this is a chronic condition and my feeling is they knew they would have to continue paying for medications, so they made the decision to deny the claim. I termed my insurance as of 7/19/16 and have yet to receive my premium refund.

Claims are reviewed and paid very quickly. Kindest staff from an insurance company ever. They must all be pet owners because they understand how much our pets mean to us. I have had many claims over the years (been a customer for about 6 years) and I highly recommend Embrace to all my friends and family!!