If you are considering getting pet insurance (you should) and you don't know which one to choose, you should choose Embrace, hands down. 1) Awesome, personal customer service. A group of actual people who actually care.
2) Variety of plans, deductibles, and co-pays to choose from. You can find something affordable that meets your needs.
3) Unlike other pet insurance companies, Embrace pays you what you paid the vet. They don't arbitrarily decide whether or not the testing or treatment you pet had is "reasonable or customary" and deny payment for certain things. They literally pay you what you paid, minus your deductible and co-pay.
4) They are quite fast about paying claims, even by snail mail, but if you sign up for direct deposit, it's lightening fast! We just had a number of claims in a row for visits, testing, and treatment of our cat's lymphoma and in the middle of it, I signed up for direct deposit. I can't tell you how happy I am that I did.
In short, I cannot describe to you how happy we are with Embrace. Truly a stand-out company that I hope will never change their winning ways.