I have had Embrace coverage (Wellness & Illness) since August of 2011 for my three dogs. Unfortunately I have had several experiences on different claims over the past 6+ months that I have had to call and follow up on. Eventually I do receive payment on the claim. The most recent incident was on two wellness claims that were submitted on February 17, 2012 I followed up on March 5, 2012 and finally received reimbursement on March 10, 2012. No explanation could really be given on way the claims had not been processed. I would recommend Embrace Pet Insurance for the coverage that they offer compared to other insurance companies, but I would caution anyone about the slow processing of claims.
Cavalier King Charles Spaniel