When my dog had retching issues and a distended stomach at 3am, I took no time to consider my insurance requirements. I just took my dog to my regular 24 hr emergency vet.
After surgery and a two day recovery, I had a $4,700 bill.
The vet stamped my embrace form when I came to pick up my dog. I took that doc, and all of the payments (1/2 estimate pre-pay and remainder at the end of the visit), scanned them, and then emailed them to the claims email address.
There were some issues with mis-matching birthdays since I went to an ER vet and not my regular vet (whom has my current info). The ER nurse made some assumptions as there wasn't time to properly populate the on-boarding forms.
I asked the claim agent if this was an issue and he assured me that if my typical vet had the correct info, I should be fine.
It was no issue.
I also forgot to sign my claim form when I first submitted it. This also wasn't a deal-breaker as I was contacted to re-submit: no big deal.
about 10 days later, I received an email stating that my claim was approved and the amount I would be receiving.
Seven days later, I had a check for around $3,500.
With all of the sketchy stories and websites out there regarding pet insurance, I really only half expected Embrace to pay out.. and, if i did get anything, I figured it'd be a paltry sum due to some fine-print exclusions...
There was no BS, no back & forth, no issues.