Embrace Pet Insurance is a life saver, we invested about $550 into the medical/wellness for our puppy and so far in 4 months Embrace has paid out as much as we invested. I'm certain that we will exceed the return on our investment over the full year. I will be re-purchasing when our policy expires.
Our pup has constant ear infections, we adopted her 5 months ago and she's had at least 6 ear infections since. Without this policy, between that and her spaying, we would never have been able to get her the quality healthcare that she needed. She's also being tested for allergies to see if there's something we can do to prevent further problems.
I rated the company at a 9 because the processing time for claims can be quite lengthy, especially when additional information is needed and the vet's office says that never received the request (who knows where the ball was dropped) resulting in ever longer processing times. If I were notified then I could proactively get the information from the vet, fax/e-mail it to Embrace, and get the ball rolling sooner.
Claim amount is for overall use year to date, same for type of claim and I averaged the time to handle claim.
Old English Sheepdog