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Fortunately to date we have only used the wellness care part of the policy that covers our two Lab Retrievers. Our male Lab is a certified Service Dog and our female Lab will shortly get her certification. As both Labs go in for physicals twice a year with a full exam (blood work ups, etc) at least once a year, the policy has helped us control the cost of Vet services. Also it is comforting to know that should an emergency occur we can provide treatment for our Labs without worrying about the cost of the treatment.As both my wife and I are disabled and depend on our Labs to help us get around, this is the least we can do to insure that the best possible care is available to them if needed.

I'm a new customer with two kittens. These boys had quite a bit of work done(neutering, microchipping, vet check up's. Because I had these things done, my Embrace monthly bill was reduced nicely. I got my claim $$ in a few weeks with several friendly emails. I'm going to like doing business with these people, I think.It's great peace of mind for me to know I'll have financial help, and I'll never have to choose between going to the vet and having enough money to survive.

I've had my dog Preston on ASPCA health insurance for almost a year now and have no complaints. There's been a few small incidents (tick and foxtail removal) that have been partially covered, depending on the accompanying prescriptions, but ASPCA was really great to have a few months ago when Preston was hit by a car. I can not stress enough just how important it is to have SOME kind of insurance -- I was able to focus on Preston getting the best care instead of worrying about the bill the whole time. ASPCA followed up less than a month later with the reimbursement check, cutting our $2,000+ bill down to about $500. I was at first annoyed by having to pay the $100 deductible, but after seeing that most other insurances have a deductible per incident, the ASPCA plan seems a bit better.

Until I cancelled, I had repeated problems with declines for pre-existing conditions that did not exist. Ex. a decline for my dog's x-ray for a pre-existing shoulder injury - he did not have a shoulder injury. Another one - decline for vaginal infection as a pre-existing condition when her pre-existing condition was a bladder infection. Vet had to send corroborating info on every single claim, including clarifying the difference between a vagina and a urethra!! Compared to what I paid for 5 animals, they paid virtually nothing.

Have had this insurance since I got my st. bernard when he was 8 wks. got the policy that covers heartworm prev. and frontline. and after five years have had to use insurance for growth removal twice. I had no problems sumitted my claim and within 2-3 weeks recived my check.We had a st. before this one and the medical expense we had with him was very high wish I had this insurance for him. Best thing I ever did.

My min-pin was bit by something as a puppy and at that time we didn't have insurance. I was out $2400 but it saved his life. At that time, my wife and I decided to purchase pet insurance and ASPCA was recommended by our vet. 2 years later, my same min-pin was bitten by a coyote and almost died. The vets saved his life again, but this time we had pet insurance. The vet bill was $1700, but we only paid $400. Thank you ASPCA, we wouldn't go without pet insurance again.

My experience was not unlike the stories one hears about people trying to get insurance companies to pay out on human health insurance claims. I ended up wasting time with appeals and feeling utterly cheated and frustrated. The argument they made was that, because two illnesses share certain symptoms, the 2nd illness was simply a "pre-existing" condition from the day the first one manifested itself. While this is difficult to prove or disprove, it disappointed me that they were unreceptive to my vet's professional opinion that they were separate diagnoses. All in all, I felt that I simply handed the insurance company money and got nothing but aggravation when I needed them. I didn't get a dime back from them for either of the illnesses. Profits over pets, I assume.

I have had pets health life and Accident Insurance on my beagles and cavalier King charles spaniels for the past ten years ,I would never go without it ,I have had several happenings over the year, as I have 6 dogs ,My one beagle was diagnosed with the walls of her gall bladder bursting ,this was not a cheap surgery but with my insurance I recieved back 1500.00 of the 3,000.00 the specialist had charged me . Another occurence was my other beagle who was feeling sick ,so he had no grass to eat as that is what dogs seem to want to do when they feel nauseated , to throw up ,so he chewed on the towel in his crate and ate several pieces ,well the next day I was at the emergency room with him for a blockage of his intestines ,again I saved at least half of the cost with the pets health insurance ,I pay about 89.00 a month for 5 dogs which is cents compared to what I would have to pay, god forbid something happens to my little companions . They are my life, my best friends, and my family and I do for them what I would do for my human family ,as they bring me so much love and ask nothing in return except to be fed and loved ,I would have it no other way thankyou pets health for being there for my furbabies shirley Irwin Meadowland Beagles and Cavalier King Charles Spaniels

I signed up my two older Golden Retrievers with Pets Health almost four years ago becuase I trusted the ASPCA to affiliate with a reliable insurer. While there have been a few problems with my claims, I could always find a supervisor willing to help and everything was resolved happily. I am thankful that I can afford to provide excellent medical care for my old Golden girls with the help of Pets Health.

We recently sent in a claim to Embrace and received our payment quickly. The staff communicated with us during the process and followed-up with us afterwards to ensure our satisfaction. I was able to predict almost exactly how much our payment would be simply based on what I understood our coverage to be. The detailed explanation was also very clear and easy to understand.