i have been with Embrace for about two years now and I could not be happier. They are always there to answer your questions should you have any, the communication is great. They let you know as soon as they recieve a claim and contact you as soon as it has been processed. Not many companies let you know your money is on the way. They are fast to take care of claims and I have been very happy with the overall coverage. I recomend to anyone looking or thinking of pet insurance.