EMBRACE has consistently without fail or delay, resolved claims expediently, courteously, and fairly. I continue to be amazed and GRATEFUL for each claim reimbursement that we receive. Most recently my elderly dog Buddy tore his cruciate ligament with an invoice of $4694.14 less our 10% co-pay--we received a REFUND of $4,224.73. I hate to think about all the poor dogs who would have to lose their legs, or be put to sleep because their owners couldn't afford this life-saving surgery. I tell my friends that INSURANCE IS ESSENTIAL if you love your animals and worry about the financial responsibilities.I love EMBRACE.