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When I adopted my cat I was aware of pet insurance, but had heard from VPI customers it wasn't worth the hassle (maximum allowable benefits, co-pays, exclusions....)so when I found and signed up for Embrace it sounded like a good idea, but I was dubious. Not two months later I took my cat in for her shots and learned that she was diabetic! The initial outlay was huge. I was in the vet's office that first week four out of 7 days with weekly visits for the rest of the month! When I submitted the bills I was pleasantly surprised at how NICE their customer service rep's are. (That's something they can't really tell you on their website.) And ultimately, after checking out her medical history, they covered the expenses as advertised.

When I got my puppy my vet told me the only insurance to get was Embrace. I had heard others complain about their pet insurance so I signed up immediately. I recently submitted my first claim and was extremely pleased with the response and amount I was reimbursed. I'm so glad my puppy has Embrace coverage! I recommend it to all of my friends.

Filed our first claim on 6/26/2008, it is now 7/21/2008...the status only shows "received", not even "processing". The brochure claims payments in 14 days! We called and they claim they are behind and are bringing in more people to assist. Also, our second claim filed on 7/16 that I emailed in so I would have a record, has not even been acknowledged yet. I resent today.

I have been so very pleased with the many insurance reimbursements I have received in the past year. I am so thankful that I decided to go with this company and would highly recommend it to anyone. ALL of my future pets will be covered by this wonderful company!

They beat around the old bush and took their time, initially, my daughter failed to give my name when she brought Sampson the cat to the vet (he had sprung a fever) they had the policy number!!!!, yet this little bit of confusion caused them WEEKS of delayI called over and over again, they also repeatedly stated they had no info from the vet (who HAD faxed them) and ALSO NEEDED PREVIOUS HISTORY FROM ANOTHER VET!! All this BS was additional excuses for delaying payment to me. THEN, they only paid 1/3 of the total cost, they advised me they had a "standard and approved " fee schedule, but that I could not have a copy of this fee schedule unless I gave them $150.00 payment for it!!! So I don't know how they came up with the settlement amount, which was of course, only 80% of this so called approved fee.

I have had three pets insured with this company since 2000. Somewhere along the line they changed their wording as they went from underwriter to underwriter. Avoid them like the plague. I now have a complaint pending with the Maine Bureau of Insurance and the Attorney General. I am also litigating this for Unfair and Deceptive Trade Practices as I never got a renewal policy and had asked for the plan with the continuous coverage. I paid 120.00 a month for these plans and they lied on taped conversations on the phone (have tapes). They are the worst out there. Time to make them honest. Moderator, contact me pls for full details as I want to get the truth out there.

Previously we had other health insurance for our dogs. The few times we had to make a claim, we were always diappointed - where did these figures come from? How can they pay us so little? When our new Rottweiler puppy was about to join our family, I really searched for pet insurance. They all seemed the same as what we had already experienced and then I read about Embrace. The notion of actually reimbursing for costs on a regional basis made sense. I agreed with the philosophy of not paying for well visits and not paying premiums for that either. Embrace has been wonderful! Our puppy has had some problems and we are able to get him whatever health services he needs because Embrace is standing right beside us. I can't imagine why I don't see more promotional advertising at the Vet's office, for Embrace. The "other" guys must be paying the Vet's to have their name in front of the public. I tell all who will listen that Embrace is the only pet insurance you need. They are an honest, caring company and my dog is proof of that. You may waste your money with another company or you can get started on the right foot with Embrace!

I recently changed from VPI to Embrace. The weekend after my 15 day waiting period was up I noticed something wrong with my pet's eye. A visit to the vet began an on going amount of visits to an eye specialist and neurologist. Embrace had to process my claims and look at previous vet history at the same time, as I was just past the waiting period. They were fast and kept in touch with me the whole while. They paid what the insurance said they would pay in a prompt manner. I am very pleased with them and have recommended them to my vet's office and friends with pets and also added my other dog onto the plan.What a pleasure after dealing with VPI who told me what the vet should have charged and what they would and would not pay. I, too, wish I had know of Embrace earlier.

I have been so very pleased with Embrace insurance company. Their correspondence is kind and quick. There are no unwanted surprises! They follow through and do exactly what they say they will do. I am recommending this company to everyone I know, and I will definately use this company for all of my future pet children!

Their service is impeccable. They are thorough, attenttive, honest, and upfront. They are the answer to the healthcare crisis in this country. Of course, I'd prefer if dental and drugs were covered in the annual plan...but I'm sure there was an option for that, that I likely opted out due to increased monthly payments. I couldn't possibly be happier. Christina Wrona is the person with whom I've been dealin...professional, knowledgable and caring. Thank you.