Embrace has been mainly excellent with me.
I've submitted 3 (sets of) claims.
The first one turned out a bit difficult - maybe because it was my first claim since I got insurance for my dogs, maybe because it was quite large (I found a cancer on my dog's thyroid gland - very scary) - but I really needed the money in the time frame they said it would come. I had emptied my savings in order to cover the surprise surgery, and was carefully budgeting time and money. It made things incredibly difficult when the money arrived about 1.5 weeks later than they said it would, even after I checked with them by phone several times.
That said, everyone I talked with was really lovely. Embrace employees are nice people, and it doesn't feel at all like a faceless business. But it wasn't until I called for the 3rd (4th?) time, and explained that my situation was very urgent, that someone actually got on the case (they'd said they started over a week before, but as it turns out, the claim hadn't been examined at all) - at which point it was finished in a matter of hours. And that claim, once it was started, was fully reimbursed - and I even got a call from the guy who worked on it to make sure it all worked out okay.
After that, the two claims I submitted were reimbursed (again, fully) incredibly quickly - the first in two days, the second in about a week. There's been nothing to complain about, nothing petty, nothing confusing.
I had VPI for my last dog, and whi