I did SO much research prior to choosing an insurance company for our dog. Friends of ours told us VPI was good, but I didn't like how claims are paid based on a scheduled amount. Embrace is fantastic! They really care about their customers, and, most importantly, the well being of the pets. The claims are paid based on the billed amount and the process to file couldn't be easier. We just filed our first claim and they kept us up to date on the progress of our claim via email. I would recommend Embrace to anyone.