I have had Embrace Pet Insurance for only 4 months and since I had a healthy pet, I was mainly looking for a "health spending account" for my pet to cover vacinnations, spay and hernia surgery, and some preventive pet meds. So far I have been pleased and the reimbursements have been paid within 15 days. It is nice to know that you have the money for these preventive measures so that you pet stays healthy. The only negative is that the company wanted all of my pets records from the time I had bought her at 3 months and since she had not been sick and the breeder had already vacinated her, it was a little confusing but with a few phone calls from my vet, where she had her phyical,her health was verified.
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