I have always had pets, but never had pet insurance until recently. We adopted 4 kittens 6 months ago and I thought with this many cats, something is bound to happen eventually that would need serious veterinarian attention. Two months after bringing the gang home, the little female, Phoebe, began to limp significantly. She had dislocated her knee. She healed up in about 1 months, then 2 months later dislocated the other knee. The vet said she has bad knees and would continue to dislocate them unless she had surgery to fix them. She had the surgery in January and is doing very well. The insurance process with Embrace was extremely simple. I completed the initial form and then had the vet's office submit all of the medical info. In just a few weeks the entire claim was processed and checks were mailed out. Embrace helped make a stressful (for both me and Phoebe) situation a little less stressful. Thank you.