Maxxi (2yo Maine Coon male) was rushed to emergency room (having "explored" a garbage can and swallowed two 48" shoelaces). He had emergency surgery and we didn't know how involved it would be as he was looking pretty bad.
The "Embracers" at Embrace pet insurance were lovely human beings. Empathetic and positive. Just what you need at a trying time in your pet's life.
Needless to say, ALL claims were honored completely as promised, and paid promptly (even better) through direct deposit! I never used pet insurance before (and regretted it then), but the financial stress lessens knowing you won't be paying out large amounts of money at an already stressful time.
We almost lost him and he is now doing great! I don't know what more anyone could expect of a pet insurance company. I did a lot of research and comparison shopping before signing up (as I do), and felt I made the best choice for me.