Dollar for dollar, Embrace is the clear heavy-weight among the choices for pet insurance.
I was fed up with 24Petwatch because of the terrible customer service, the auto-denial of claims, and the pittance they did offer as reimbursement when I was finally able to wrangle it out of them.
My policy for my two dogs with Embrace is only $9/month more, and it is worth every penny. The customer service is outstanding. I wish they could train every customer service agent for every industry. We would all be a lot happier.
I just got my first reimbursement check today for my dog's annual wellness visit (I pay the extra $14/month for routine care), and I received a 100% reimbursement! The check came less than 2 weeks after my vet faxed in the claim form.
I could not be happier with Embrace. Seriously, if I could kiss them I would.