I have never purchased pet insurance before, but decided to get it for our standard poodle, who was a few months old at the time. I took care of all my preliminaries right away, so as not to have concerns later. I made clear between Embrace and myself what preexisting conditions there were and moved on from there. So now, not quite a year into this and our dog took and ate a bunch of raisins. (The only thing he has ever taken off a counter!) Well that landed him in the hospital for 3 straight days getting an IV to push the toxins through.
I was mostly impressed with Embrace and the speed and payment of the claims. I did have to go back and have our vet fill out a fair bit of paperwork, but it all worked out well. On occasion Embrace does so down processing for no apparent reason, this is the only reason I will not give them a a perfect 10. Most claims paid in about 2 weeks but a few longer than 3 weeks. Their payments on the claims were EXACTLY what I expected it to be.
With lots of unknowns out there I am glad to say that the process and benefits were what Embrace said they would be.