I spent every night for a week comparing pet insurance policies looking for one that offered major medical coverage for injuries & illnesses. I had no need for the "frills" so many companies offered like routine care, money for lost dog posters, etc. I just wanted coverage in case, God forbid, one of our 3 dogs ever had a severe injury or illness. Embrace is THAT company!!!
I was impressed with the premium to cover 3 dogs ages 1, 7, & 8 AND that they allow the usual & customary fee for services based upon geographical region, not some arbitrary low allowance for various issues. During my comparison shopping, I recall one plan allowing only $500 for a broken leg. When was the last time THEY had veterinary care for a pet???
I also like the fact that you can choose your maximum per year, 3 different ANNUAL deductibles, & 3 different co-pay percentages. It really allows a family to choose the plan that best fits their budget & needs.
We haven't had to file a claim yet so I cannot comment regarding that area, but if the personal service & quick email replies I've had to date are any indication of what to expect in the future, I'm sold!!!