I never write reviews, but with Embrace, I had to. I have had Embrace pet insurance for over 4 years now and while the premium is a little higher than what I started with, it has been well worth it. Everytime there is a claim, the claim specialist (aka embracer!) makes sure to let me know they received the claim, sends an update if things are delayed and usually claims are paid out as promised with no hidden language in 3-4 weeks. I HAVE NEVER HAD ANY ISSUES WITH CLAIMS NOT BEING PAID. One of the honest insurance companies I have come across (comparing human and pet insurances) in my life and its very refreshing! Keep up the good work Embrace!