I have found Embrace just recently, as my puppy is only 4 months old. But my communications with them has been nothing short of pleasure so far. I have already submitted the first claim for the welness stuff (preventative shots, exam). It was processed within just a few days, and I immediately received e-mail as soon as it was completed. These guys are awesome!!! And always very personal - one of the Embracer even asked me to give my puppy tommy rub for her, which was very unexpected and sweet.