In August 2011 my dog Torsten blew out his hind knee. I got a quote from vet, sent it to Embrace - they immediately authorized the surgery and immediately reimbursed me for the claim - almost $3,000.In August 2012 Torsten blew out this other hind knee. Again I got a quote, got authorization, and Embrace has taken a bit longer to pay (they implemented a new system) and will be paying me over $2,000.
Now, they are reviewing a claim for Stem Cell procedure. I can't even believe they offer this ! I would have to put my dog down if they had not paid for these procedures. A Human always answers the phone, they know my pet's name, and they are AMAZING. I have gotten some of their brochures to place in many offices and pet stores - that is how much I think of them. The other insurance companies are Not Even Close. Use Embrace, tell your friends. I actually had this health insurance on my dog and did not have personal health insurance. Good Thing! Best wishes for all those out there. Pls Spay and Neuter and Adopt :-)