My husband brought home a new kitten last May, and we decided to sign him up for pet insurance. Having never purchased pet insurance before, we chose Embrace based on the reviews seen here and through word of mouth. We have both a Wellness Policy and an Accident/Illness Policy. We have primarily submitted Wellness claims for our kitten, which have been processed very quickly with no hassle. We have recently submitted an Illness claim, which is taking a bit longer, but I suspect it is because they have to take a look at our deductible. Overall, we are very pleased with Embrace. We look forward to being with them for years to come.