I have been so happy after taking out a policy with Embrace on my adorable Labradoodle puppy. I have been to the Vet several times with an ear infection and other puppy maladies, (diarrhea, vomiting, etc.). The Embracer promptly sends me an email about the claim and within a fairly quick amount of time reviewed my claim, applied it toward the deductable, and refunded any money that was due. I am very happy with the prompt communication and thorough handling of all my claims. Thank you Embrace!