After having 2 dogs who lived with expensive medical conditions (and horrific vet bills), as we got our 3rd dog I decided it was time to get Pet Insurance. After much online research, I choose Embrace - and after only 3.5 months I know without doubt I choose the best pet insurance company possible.In addition to illness and accident insurance, I also purchased Embrace's fantastic Wellness Rewards program. For an additional premium of $300, I have already been reimbursed for the full annual coverage of wellness items - $400. It's an extensive list that covers wellness exams, vaccines, heartworm medications, spay/neuter, prescription dog food, and more.
I can't say enough about Embrace, their excellent communications (emails as soon as they receive a claim; an update while it is being processed; and a follow up after the check is mailed) and their outstanding service. I recommend this company to anyone with a pet.