This was my first experience using our coverage. I have 3 cats who have been covered under Embrace for 3 years . They have a $1000 deductible, but $10,0000 in coverage. A lot of people told me that pet insurance is a rip off but I wanted to give it a try. Pet care now can do so much, but it can get pricey. I never want to make "the decision" just because I can't afford the pet's care.
This summer Napster began to lose weight but there was nothing else obviously wrong. He needed very comprehensive blood work, some medications, X-rays, and an abdominal ultrasound. Although we still aren't entirely sure what it was, we know for sure what (bad things) it wasn't and his weight has stabilized. He exceeded his deductible, and Embrace reimbursed me their share. It took a little longer than expected to handle the claims but they emailed me regularly to let me know they were working on it. They did what they say they will, without any hassle.
I have recommended them to several other pet parents I know.