Four days after I had knee surgery my dog became paralyzed from the waist down. It was a disastrously stressful time. He was diagnosed with disk disease and 2 disks had herniated causing the paralysis. An emergency surgery was scheduled and there was not enough time to have the claim pre-approved. I went ahead with the surgery but was very nervous about my claim being paid out because it was going to be such a huge bill.
The total was just under $8,000. When I submitted my claim, Embrace warned me that they were a bit backed up with claims and it would take longer than expected. Though it did take a while, Embrace agents kept e-mailing me and keeping me in the loop.
In the end Embrace paid out $7,000. They covered 90% of the claim minus the $100 deductible, exactly as promised. The company did not try to weasel out of the claim and handled the claim with integrity, following through on everything that was promised before I signed up. Furthermore, they did not drop me as a client and sent me an e-mail about renewing my policy while all of this was going on.
I have definitely become a walking advertisement for Embrace. It is rare to find companies that actually do as promised and when I find one, I definitely like to spread the word.