I've carried pet insurance for several years, and never had to make a claim, so I was apprehensive when my dog tore her CCL and needed surgery. I didn't know whether the claims process would be arduous, or whether coverage would be denied for some arbitrary reason. Turns out I had no reason to fear! Embrace honored my claim, and kept me apprised of the status throughout the process. The staff also reached out to check on us a month after the surgery, to see how my dog was progressing - a very kind gesture. I recommend this insurance company. No pet of mine will ever be without Embrace coverage.