I too have changed over from VPI insurance. I guess VPI uses the money they save on reimbursement to advertise and so they are well known.My older dog was covered under VPI and I was very disappointed with the reimbursements. I'm sure had I just started a savings with my policy payments I would have come out ahead!
After putting my first dog down. (She was very old)I got a new puppy. We got her from a shelter at 8 weeks and 2 days from getting her she came down with parvo. Fortunately, the shelter fee included a 30 day policy for shelter dogs. Her treatment was mostly covered. I had already signed up for Embrace before she came down with Parvo but was still in the waiting period. She now has some periodic bouts with GI bacterial imbalances and I have used the embrace policy to cover her vet visits. Everyone at embrace has been so wonderful. The communication is great. They send an email when they get the claim, when they process the claim and also when they send the payment. With VPI I had to hunt them down and usually call several times to get answers to my questions. Bottom line is the payments back are better then the others!! I tell all my friends to get embrace!