Out of 10

I had Petshealth Insurance for about eight years. They apparently changed management several times as well as how claims were assessed - ultimately becoming extremely deficient with regard to what they considered to be "reasonable and customary charges in the geographical area". In appealing the last claim payment they made to me, I actually provided a chart with specific costs of the same services provided by four other vet clinics in my area -- proving that the charges from the clinic I used was actually below the others. In spite of this they denied properly adjusting the amount they would allow. I am not only extremely pleased to find that Embrace provided the up-front stated percentage of the actual costs I incurred, but also most appreciative of their attentive and responsive customer service.

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