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These folks really have the process down! They clearly take an extra effort to prevent confusion with the claims process by getting you prepared in advance. When I did file a claim, it went smooth and quick.The only reason I didn't give a 10 rating was because this is my first claim with them. Great start though!!!

Make sure that you read every letter of the fine print of your agreement, and to be honest I'm not a lawyer nor did I have time. I bought a "puppy care package" from the vet; this amounts to a Pre-payment of services, and because the invoices showed a discount (one that was present because I already paid). This prompted them to extend 0$ of reimbursement. I am currently looking for other options to insure my pet, and I suggest you do the same.

I've only had Embrace insurance for about a month, but so far they have been very fast with claims, and very communicative. I am very happy with the service!

Excellent service because claims are processed promptly. The policy is easy to understand. I've had this insurance for about 5 years and will not do without it. All my future dogs will be insured through ASPCA. I especially appreciate the the professional staff who are compassionate and always ready to answer any questions.

My dog has a blood disorder that required friquent vet visits and at times treatment. My embrace insurance is wonderful, don't know if I could continue with the treatments if it werent for Embrace standing beside me and my dog on this.

Easy filing, decently fast processing, and covered everything. Couldnt be happier

Easy filing, decently fast processing, and covered everything. Couldnt be happier

The wellness rider we purchased with Annie's plan is way too low for an annual policy. It's used up in no time. There should be a much higher amount allowable especially under the best plan(which we purchased).

Our ten month old puppy slipped out the door, ran into traffic and was run over by an SUV. We got her to the emergency vet immediately and we were told the initial expenses would be around $8500. Since we had Embrace insurance, we asked them to try and save her. We pay $60 a month for an 80% reimbursement rate. $10,000 in vet care costs, one fixed puppy, and five weeks later, we have been reimbursed 80% of the bills as promised, minus the $200 deductible. The forms are extremely easy to understand and fill out, and the fact that they pay a set percentage of the bill instead of reviewing all the expenses to see what is allowed and disallowed has been a tremendous relief to us. As soon as we submitted the paperwork (just one simple form and a copy of a paid invoice from the vet) they kept in touch with us about the progress of the claim. The paperwork that we got informing us of our reimbursement was, again, very easy to understand. Thank you Embrace for coming through and enabling us to save our dog.I highly recommend them to anyone with a pet. You never know what will happen, and even if we pay $60 a month for the rest of our dog's life, it will still come out to less than what we have already been reimbursed.

I do not hesitate to take my cat, Duncan, to the vet knowing that it will not break my wallet whatever the cost may be. The blood tests alone can be quite expensive. I would never have a pet without insurance as I would want to give it the best care I could. The ASPCA insurance works very well in my opinion although I have not had any other insurance so I cannot offer a comparison.