I wanted to write a review as this is our first experience with having pet insurance and I am so grateful that we did choose Embrace. We just recently found out that our dog is heartworm positive and the treatments will be very costly. We have already processed over $300 in reimbursements and received them within a month of the claim. The claim reps always check in and keep you updated with the claims process. I recommend you purchase Embrace pet insurance on the day you get your pet as there is a waiting period during which pre-existing conditions could be excluded so the quicker the better.