When my vet suggested I purchase pet insurance I did lots of research on pet insurance companies. Embrace is the company I decided to try. I have had three claims so far, and Embrace has paid exactly what they stated they would. I was concerned that I would pay in more money than I would ever receive back, because my Old English Bulldogge has bad hips, knees, and allergies and I knew these items would be eliminated from any possible claims. It gives me peace of mind that as my puppy gets older - I'm sure more issues will need care. This is a great loveable breed, but at least in my case - lots of care needs. I would never give her back. She is a very important member of our family. My vet faxes the insurance claim right to Embrace - so when I leave the vet office - I know that my claim will be sent. I received the three checks by mail - but have the option of having it sent directly to my checking account if I choose.
So far, I'm very happy with Embrace. In my case, I hope I never have to use the insurance again, but if I do - I have it.
I'm impressed so far.
Old English Bulldogge