I really love this company. They obviously care about their customers: animal and human. When I recently submitted claims they followed up to let me know they were being reviewed and that it may take a few weeks due to recent volume. After the claim check was sent, they followed up to make sure I got it. I did not, but they contacted me (rather than me having to hound them) which was impressive. They quickly issued a new check which I received within a few days. The check was exactly the amount I expected.I know the names of the employees at Embrace and they know mine.