When we decided to invest in a kennel club pedigree golden retriever we also decided that we had to protect our investment. We reviewed a number of medical insurance companies on line but it was confusing. Our vet had Embrace brochures available in the waiting room. Coverage levels were simply explained leaving us to make the decision which level we wanted.
My calls to Embrace have always been courteous and helpful. Although paper work is just like human medical claims we have not had the delays human claims have.
But so far we have not had a major medical claim only a Wellness claim - and that coverage should be a no brainer for any owner of a loved pet.