I really cannot say enough about Embrace Pet Insurance. I LOVE the coverage options, the people are fantastic and my claims were processed very quickly - direct deposited into my account about 3 days after claim submission. I actually have two dogs - although I can't indicate that on this feedback form :) - and both have had claims submitted. My Standard Poodle, for routine care, and my Lab for the claims described in this review. We actually submitted 3 separate claims on the issues indicated and they were paid without any delay. Even better, we have experienced NO premium increase as a result of utilizing the policies. VERY, VERY happy with this company. If you're shopping around, I would highly recommend Embrace - as I have to about 10 of my friends and family members. They have taken my up on the recommendation and, happily, ALL have had experiences similar to mine.