I have only been with Embrace for a little while, and I must say that I am certainly glad that I made the choice to carry pet insurance with Embrace! My Siberian Husky had been having issues with roundworms and a leaky bladder. After the hustle and bustle of a few animal hospital and visits to the vet,I submitted my claims to Embrace. Within a couple of weeks, I received checks deposited into my bank account. I especially love the Wellness coverage, it's fantastic!