We have had Embrace insurance on our Boxer since he was 6 weeks old. We have never had any issues with them paying the claims and they do so as outlined in the policy. We continue to use and recommend them to all of ours friends. Their coverage cannot be beat - they do not have any exceptions to coverage for breed-specific disorders which is the biggest reason we went with them. If they are running behind w/ claims processing, they let you know. If they are taking exceptionally long, one phone call will have the claim resolved within 24hours. A+!!