I researched pet insurance quite thoroughly, and while I concluded that Embrace is a very good value, what sold me on it was all the consumer reviews about how good the service is. After having worked for many years in conjunction with the insurance industry, I know that lack of good service and claims representatives who don't care about doing the right thing can end up making a policy worthless. So far, the service of everyone at Embrace has not disappointed. Communication has been great and responses have been prompt. A plus is that it seems like everyone genuinely cares. Thanks and keep up the good work.