I have had Embrace for a couple years now and have not really had to use it until this year. Note you really need to understand what pre-existing conditions mean, to a certin extent if it has been noted in you pets chart before you had insurance chances are it will not be covered. BUT this year my dog had several instances of needing to go to the ER for an infection or something we don't really know and the total bill for my first visit was around 600 and Embrace sent me a check for like 540, then my dog needed to go again bill 500 I think I go a check for 450 or something like that. All and All I am very happy with the service and if I get another pet I will have Embrace for him as well.
Age of Pet