I've only been with one pet insurance company, and that's Embrace. After carefully weighing the pros and cons of several pet insurance companies, I decided on Embrace because of their coverage, variety of plan options, and their customer service reviews on other sites. While I haven't submitted many claims, Embrace gives me peace of mind. The Claims Department is very responsive, curteous, friendly, and understanding. They even accepted a late claim when I discovered that a friend who took my dog to the vet while I was out of state for a family member's wedding hadn't submitted the claim because he thought the vet did that.
Sometimes I wish that more items were covered in the plan I selected, but there are several options available and if I wanted to pay more monthly, more items would be covered during the visits. For me, it just isn't cost effective with the few claims I've had to make so far. I really like knowing that Embrace will be there when I really need it. Their direct deposit option for claims is fast and convenient too! Overall, I have been quite pleased since July 2010!