We have had Embrace for a few years now and have been very satisfied. We have coverage for our cat and have had to submit illness claims on a few occasions for recurring stomache issues. Embrace covered everything, including fluids, pain med and anti nausea injections, no questions asked. Its great to have peice of mind when our pet is sick, knowing that caring for him wont be a finacial burden. Each time Embrace acknowledged receipt of my claims within a couple of days and processed the claim checks within a month. And they are always very courteous and professional in their communications.