2 Out of 10 I submitted my first claim to Embrace on 12/8/08 and it has not yet been processed. Looks like the typical delay tactic of insurance companies. I am switching to VPI. Did you find this review helpful?YesNo Injury/illness Claim Amount Breed Age of Pet Leave a comment Your name Email Comment From time to time, we would like to send you the latest news and updates from Pet Insurance Review and exclusive offers from our partners. So that we can send you information and offers which are tailored to you and your pet, please let us know which type of pet(s) you have: Please sign me up for the Pet Insurance Review newsletter which features the latest news, updates and pet care tips. Please send me special offers from our partners, including natural pet food coupons, pet healthcare discounts and more. Your pet Cat Dog Equine Other And the State you live in AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMicronesiaMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPalauPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirgin IslandsVirginiaWashingtonWest VirginiaWisconsinWyoming What code is in the image? Enter the characters shown in the image. Submit comment Posted: 02/07/2009 By:   follow up -- Embrace has since responded and provided the promised coverage. An additional claim submitted soon after was handled quickly and fairly. No complaints now. Posted: 04/05/2009 By:   DON'T switch to VPI!! I'm sure you have seen the other reviews on here. I am with them now and I am here researching other companies. Posted: 01/12/2010 By:   Ed, Melissa is right - DO NOT switch to VPI!! Read the reviews!!!