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I think the title says it all. We've had Embrace since we got Mosby as a puppy. We've filed all size claims, from $75 for a clinic visit to $2200 for an emergency laparotomy. We've had no hassles receiving any reimbursements, all have been the expected amount.

I filed a claim in August on an August 7 date of service. The amt of the claim was almost $300. Today, Oct 3 I finally rec'd a reply about the claims. They have agreed to pay $51. I have waited for 2 months for them to process the claim!! I AM THROUGH WITH THEM. Their marketing media was totally propaganda!! Good by Embrace or should I say "DISTASTE"!!! THANKS so much for your misrepresentation!!!BTW, THIS IS THE 3rd claim submitted - they paid ZERO on the first 2 and a whooping $51 on this one which good 2 MONTHS to get a response!!!!

In August 2011 my dog Torsten blew out his hind knee. I got a quote from vet, sent it to Embrace - they immediately authorized the surgery and immediately reimbursed me for the claim - almost $3,000.In August 2012 Torsten blew out this other hind knee. Again I got a quote, got authorization, and Embrace has taken a bit longer to pay (they implemented a new system) and will be paying me over $2,000. Now, they are reviewing a claim for Stem Cell procedure. I can't even believe they offer this ! I would have to put my dog down if they had not paid for these procedures. A Human always answers the phone, they know my pet's name, and they are AMAZING. I have gotten some of their brochures to place in many offices and pet stores - that is how much I think of them. The other insurance companies are Not Even Close. Use Embrace, tell your friends. I actually had this health insurance on my dog and did not have personal health insurance. Good Thing! Best wishes for all those out there. Pls Spay and Neuter and Adopt :-)