My Afghan Hound became suddenly and seriously ill, and spent 4 days at a university associated hospital before coming home to recover. I emailed my claims (which I have found to be the most efficient and successful mehtod of communication) and they kept me updated on where they were in the process. When I called to inquire about a possible payment date because the bill was so large I was promised that it would be expedited, and indeed it was. They gathered together all of his recent claims and paid them all at the same time. They paid everything the policy indicated would be covered - no questions, no problems. And when my dog passed away a month later I recieved several emails expressing sympathy and was encouraged to submit any final claims even if I had to send them after his policy ended. And now I have received a heartwarming book full of stories of love and loss. Embrace is the ultimate pet insurance company, covering traditional and alternative treatments, living up to the terms of its policies, and offering both professional and compassionate responses to its clients. What more could you possibly ask for?