My husband and I were skeptical about getting pet insurance, as we didn't know if it was really worth the cost. We spent a lot of time researching companies and found that Embrace is by far the best one out there. After only having our puppy for 7 months we are beyond thankful to have our coverage with them! It has already paid for itself for the year & has tremendously helped us out financially when our puppy was diagnosed with a condition that needed arthroscopic surgery. The claims process is very easy & we have already received our first check from them. There were no issues when calculating our reimbursement...everything was done exactly the way it should. We are so pleased with Embrace that we tell all of our friends who have pets to go online and get a quote...they wont be disappointed!