I have had policies on two of my three cats for 2.5 months and these are the first pet insurance policies I have had despite having cats all my life. My experience with the other uninsured older cat and her intestinal cancer led me to getting coverage on the younger two. The youngest went into acute respiratory distress and I took him to an emergency 24/7 clinic. The care was prompt, professional, and seemingly clinically appropriate. Too bad our emergency rooms cannot be as effective. He was there two days and in my opinion was saved as a result of the intervention. The total cost was $1060. I filed my first claim and one month and 2 days later from mailing received the check. The amount was accurate and the Explanation of Benefits was clear and understandable. Again, too bad human health insurance cannot do as well. I am very pleased with this outcome and would strongly recommend Embrace Pet Insurance and the clinic that saved Max (my cat).