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I will admit I had reservations-you read so many negative reports about pet insurances. But, since I now have 3 rescued shelties and 2 rescued mixed breed dogs, I felt I might need some help with medical bills so I would take the chance with Embrace. So far, I have not been disappointed. I have found Embrace to be straight forward and to do all they say they will do. Only one of my shelties has needed much in the way of medical help so far but his bills have been pretty high-to me at least-and Embrace has reimbursed me all expenses minus my copay(20%) and deductible.($500-wish I had lowered this amount when I took out the policy) No hide and seek when it comes to what is/isn't covered. They give you an itemized list of everything. Another good thing is, my claims have been settled quickly. A bit of advice...When purchasing the insurance, it is to your advantage to get the max coverage amount-10K-since any "on going" or "continued care" issues will only be covered up to 25% of whatever your elected max is. ($2500 if you chose 10K) Since my dog has an on going issue that was discovered in the previous policy year, I am glad to know $2500 of the expenses will be covered after my deductible and copay. No, it is not 100% of my money back, but it sure helps! Also, if you can, choose the lower deductible from the beginning. You do pay a bit more, but in the long run, it will be worth it. As I said, I don't know what the future holds, but at this point, I would highly recommend Embrace!!

Excellent insurance company with wonderful coverage and outstanding and fast reimbursement. They are caring and have been wonderful to work with and we never worry about the financial aspect of our dog needing medical attention. What a huge relief and wonderful safety net. We're very thrilled we chose Embrace coverage.

I enrolled my pup in the Embrace insurance plan after spending considerable time researching all the pet insurance options out there. One factor that was important to me was the service I would expect to receive once I paid my premium. And I was not disappointed. Indeed, I was overwhelmed with the speed and accuracy of handling my first claim, which was for my little guy's annual wellness visit. I did my part, supplying everything in documentation that Embrace requested. In return, I received my reimbursement check in less than a week. Awesome. And emails from Embrace kept me updated on the processing of my claim: unexpected but very appreciated. They even suggested that I give my Bobo a nice tummy rub just for good measure. (I followed their suggestion!)

My husband laughed at me when I insisted we get pet insurance. 6 weeks after we got our puppy, she broke 3 toes....without pet insurance we would have a huge expense...luckily ASPCA covered our bill...just FYI, the vet we went to was very overpriced and pushed medications that were not needed. the vet hospital in Valley Stream NY. had we gone to a more reasonable vet, our bill would have been covered even more

I am a new customer of Embrace and have 2 puppies. Lots of appts with the vet for shots, worms, ear infections, etc. I have sent my invoices in and had a response the next day and a check shortly after that. I am very pleased with Embrace and highly recommend them.

I recently made a claim. Embrace contacted me through every step via email to let me know that they received my paperwork, processed the request and issued the payment. I received a check just 3 weeks after submitting the request. I am impressed and happy that I chose Embrace :)

I changed from Banfield to Embrance.Wellness plane is excellent and easy to claim.Thank so much for the great service.

We just made and received our first claim under the Wellness Plan. The process couldn't have been easier and everytime I needed to talk to somebody on the phone, the customer service rep was very helpful. The reimbursement check came faster than they promised. Thanks again.

My experience with ASPCA has been 100% positive. I insured my always-in-excellent-health 11 year old Cairn Terrier with the Premium coverage, estimating the higher costs of the broadest coverage available would come close to paying for itself within the year. Imagine my shock when, just 4 months later, my dog was diagnosed with hepatic lymphoma-- a cancerous lymph node in his liver. It was a relief to know the excellent ASPCA Premium Plan covered most of the costs, making the 18 week chemotherapy protocol affordable. I did not have to make a painful choice between my own finanical needs and the medical costs of my dog. Treatment for his cancer has been remarkably successful, he has an excellent quality of life, and his vets predict a possible two more years of enjoyable life ahead for my dog. I did some comparative research before I bought ASPCA pet insurance, and highly recommend the Premium Plan as the best coverage I could find for an older dog, as lesser options did not offer the same breadth of protection. I am very pleased and very grateful.

Several years ago I spent $3,000 on vet bills for an older cat, and the aftermath of the expenses crippled me financially for a long time. I recently got a new cat, and decided to go with Trupanion insurance based on a friend's recommendation, hoping to avoid the same pitfalls that I encountered with pets in the past. About a month ago my cat Wiley, who is only two years old, had a urethral blockage and required $3,000 worth of treatment. Trupanion ended up covering almost $2,400 of the vet costs, without which I would not have been able to give him the treatment that he needed. They processed the claim within several days, and their customer service and professionalism were outstanding. Thanks to Trupanion Wiley is doing great, and I would whole-heartedly recommend their service for anyone that has new pets. The cost per month is very reasonable, so anyone should feel very comfortable hopping on board with Trupanion.