Wow quick update on my Embrace insurance policy for Bentley. Yesterday I faxed Bentley's orthopedic report card to remove the standard 6 month orthopedic claims waiting period. (Bentley's vet gave him all A's

) Along with that I sent in the receipt for his neutering since spayed/neutered pets get a small discount.
I got word on the policy changes as well as a note in the e-mail stating "Please give Bentley a tummy rub from all of us!"
In addition to that even though I did not send in a claim to be filed, they actually tried to process a claim for his neutering and made a decision on that. It was not covered of course because I did not opt to have wellness coverage. I just thought it was cool that even thought I sent it to underwriting, and there was no claim form attached they forwarded it to claims to attempt to process. Also the turn around time was incredible.
Hope I don't need to ever submit a claim, but think I will be totally happy with Embrace.