Not reading my policies (we have 5 dogs covered with Embrace), I recently submitted a huge bill for our oldest going back almost a year for five surgeries and alot of rehabilitative therapy (about $15,000 worth). While I was very nicely informed that I should submit claims within 60 days of incurring the costs (I'm sorry! I'll do that in the future), Embrace very quickly reviewed the expenses and reimbursed $5,000, the maximum on the accident policy for this dog. While I had hoped for more, this is exactly what was allowed (again, I had neglected to read the policy), and it was paid promptly with no hassle. And it came with personal notes from two Embrace employees, asking how my dog was doing, expressing genuine concern. I doubt any other pet insurance company could do as much as Embrace does!!!
Bernese Mountain Dog