So when the Avatar was 6 months old I thought about pet insurance. I checked the threads here on the subject and decided to get a catastrophic policy in case he needed a brain transplant or something. I selected Embrace cause they offerd one and it sounded like a good deal.
Two years later, I realized that between stitches for a cut pad and tests for a chronic condition I had met the conditions for the policy. I went back and gathered all the paperwork and sent a mountain of it in all at once, some of the claims where older than the 90 days Embrace allows but I sent them in anyway.
Long story short: they did exactly what the said they would do to the penny, and they did it quickly and cheerfully and even accepted the claim older than 90 days. I just got my renewal notice and, just as advertised, did not get cancelled or a rate increase.
Mark me as one satisfied customer.