We have had Embrace Pet insurance for almost 6 years and we just love it. We have English Mastiffs so it was important for us to find insurance that would be enough to cover them with enough insurance to handle any life-threatening illness (which we hope NEVER happens). Having this insurance makes up feel comfortable that we could handle anything that might come along so we don't have to make a choice we would rather not. Embrace is very fast in processing claims so I can put their charges on a credit card and I have the money to pay all but our portion off within two weeks. Embrace's staff are kind and caring - I never feel like they don't want our claims, but the opposite, they are concerned about the health of our dogs. All in all, in my opinion, you cannot find a better pet insurance provider. They are far above the rest.