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My testimonial: When we picked up our puppy Nelly from SPCA, we thought it might be a good idea to look into pet insurance. Our first dog, a Border Collie named JJ, had been diagnosed at a young age with hip dysplasia, but we had no insurance for him, and treatment was costly and continued throughout his life. JJ is now 12, and has cancer of the kidney. Thanks to the health insurance we did purchase for both dogs last year, we have been able to recoup a good percent of the costs of his care during his final days. Purchasing pet health insurance with ASPCA has turned out to be a good move for us. Just as human health insurance helps to reduce the financial burden of care, this product for our pets has made a big difference for us financially. Pets can become sick or injured, just like we can – and it’s nice to know there’s help out there when things go wrong. Thank you ASPCA!

Because of this insurance I can afford Diabetes treatment for my 12yr old female Blue Heeler/Spanial dog. In the past I have had to put cats to sleep because the cost to treat them was too expensive. ASPCA makes sending in forms easy and fast. Also they provide many levels of insurance coverage, the monthly payment is well worth the life of my companion. Even when I had a surgery and was a couple weeks late on my payment they got me back on track without losing coverage for Coqui.I just got my first receipts into the office. When I called they looked up my documents to tell me they were in process. I think it is important to cover your pet with insurance because they are part of your family.

This insurance has turned out to be a better investment than my healthcare insurance, dollar for dollar. I've had dogs most of my 63 years, but never got pet insurance until the summer of 2008 when I made the decision to buy some for my female pitbull Duchess. I found Duchess in the woods in GA about 5 years ago. She was in poor condition, having been overused for breeding and fighting purposes. She recovered from her injuries and severe heartworm infestation and was healthy until later in 2008. She was attacked by a much larger and younger male pitbull and suffered many deep bites and lacerations before I retrieved my gun and killed the other dog. I took her to pet emergency where she was stabilized and kept overnight. The next morning I picked her up and took her to our regular veterinarian, Walt Gregg, who did the surgeries that morning. The bill from both facilities was more than $1100.00. I submitted the billing, a copy of the medical records and the claim form to ASPCA Insurance via fax, got reimbursed more than $650.00 and the check arrived within a couple weeks of when I submitted the claim. It was better service than from my own healthcare insurance plan! Had that been the only time I needed to use the insurance it would be worth continuing to pay the small monthly premium anyway. But, in late October 2009 Duchess stopped walking. The expenses really were not that much so I was not going to file a claim for them. Then, after two months of no improvement I was referred to a neurosurgeon and as part of the appointment, Duchess had a MRI. Ultimately, I submitted two claims to ASPCA Insurance that totaled more than $2800.00, this time emailing the claim! Being able to either fax or email the claim saved so much time and effort! I received $1500.00 reimbursement and it again arrived within a couple or three weeks. If I did not have this insurance I could not have afforded to get the MRI for Duchess and consequently she would not have gotten an accurate diagnosis. Moreover, her condition was so bad the day I took her for the appointment and MRI that had I not gotten good news I was going to put her down the next day. But, knowing I had coverage and what the limit was ($1500) I was able to get the treatment Duchess needed and now she is very much improved. So in a very real way, Duchess is only alive and now enjoying her life because I had ASPCA insurance. For her it was a virtual life saver!

I am beyond wonderfully pleased with Embrace!We acquired our insurance in Dec 2009. After having paid only TWO months of dues, our 3 year old English Mastiff had a rare occurrence, a twisting of his small intestine, which ultimately sent him into emergency surgery and a week-long, touch-and-go stay in the hospital. I called Embrace to make them aware of the situation and inquire about and verify our coverage in order to make a decision about treatment. They were kind and concerned and assured me of our coverage and limits, enabling us to make an informed choice. These decisions are so difficult to make in an emergent moment, but I felt we had made a great choice in Embrace when I did the research to purchase pet insurance. We ended up with over $12,000 in costs for treatment and Embrace paid every cent of our $10,000 annual limit!! Again, after only two months of payments from us! What a testimony of integrity and reliability in a company! Embrace will have my business for years to come and I would, and do, recommend them to every pet owner I know!!

I have had Embrace ins. since my dog was a puupy and they have been wonderful.At the young age of 1 my dog had two hip replacements and then due to a severe infection had to have one leg amputed.The people at Embrace are kind and compasionate and and I never had to wait long at all for my check.I have heard people complain about all different companies out there and I have never had a problem with Embrace.I would and have highly recommended this company to anyone

I can never spread the word enough- Embrace has been one of the best decisions we've made. I usually don't write reviews, but I feel so strong about our experiences with Embrace. From the start, where you can choose your policy online and edit as you'd like, to submitting claims that are responded to and handled immediately, to the incredibly fast refunds they send back. Not to mention that when you call the customer service number, or email, you actually get a live person right away, no automated messages, and they tackle whatever question or concern you may have. If you are considering pet insurance, honestly don't look any further-Embrace is the ONLY way to go!

We can't believe how easy and quick it is for claim approvals. Our bulldog has had numerous health issues and the process was seamless in getting reimbursement.I wish my own health plan was as easy.

We can't believe how easy and quick it is for claim approvals. Our bulldog has had numerous health issues and the process was seamless in getting reimbursement.I wish my own health plan was as easy.

I insured my puppy Golden Retriever never expecting to need it. When he was only 3 he developed a cardiac sarcoma that killed him in 1 day. AKC had paid for earlier chest xrays (they showed nothing) & for the $3000 final bill, excluding cremation. I have no complaints about this plan & would get it again but it looks like they've raised their rates considerably in 2 months.

When we got our pug Augie last year, we decided to buy health insurance for him, as we'd had a dog before and the veterinary costs were often quite expensive. After doing our research, we settled on Embrace, and we're thrilled that we did. Embrace has been helpful and efficient from day one; they're quick to respond to inquiries, and quick to send reimbursements for covered visits. They also seem to understand the important relationship humans can have with their pets. Kudos to you, Embrace!