Words cannot really express how grateful I am to have chosen Embrace. I am a first time dog owner and did a great deal of research in order to choose the best pet insurance on the market. I am 100% confident my research paid off. My experience with Embrace has been truly exceptional. The customer service is superb, the claims are processed very efficiently and everyone I have dealt with at the company has been terrific. I just recently experienced a truly traumatic situation in which my 3 year old pup was diagnosed with kidney failure and required extended hospitalization in order for her to survive. The folks at Embrace were very sympathetic and kind and processed my claims extremely quickly - no questions asked. They also took the time to answer any and all questions and kept me informed of when my claims were received and processed all along the way. Embrace is a shining example of what all companies should aspire to. I would HIGHLY RECOMMEND Embrace to any pet owner.