We've had many dogs over the years, but this is our first experience with insurance. We thought to try it out when we got a new puppy. Unfortunately, the pup was a few months old by the time we signed up and, by then, had had two or three ear infections. (Common in our humidity-filled climate). Based on that, Embrace has denied several claims under the guise of dermatologic conditions. They said that even if our dog goes for a full year without another ear infection, they'll use the fact that she had ear infections in her early months as a means to deny any claims related to ear infections, dermatologic conditions and other internal infections. The customer service reps with whom I've spoken have all been quite nice, but they told me that, at this point, we won't be reimbursed basically for any claim other than orthopedic; they explained that pet insurance is NOT like health insurance. It's much more like property casualty insurance in which the insurer is more interested in denying claims than in promoting good pet health in order to avoid future claims. This seems to be less about Embrace, per se, than about the pet insurance industry overall.
Wirehaired Pointing Griffon