We adopted a puppy in November, 2012. Our daughter recommended Embrace since she has had it for her two dogs for a couple of years. I checked reviews online and liked what I saw. I called Embrace and the insurance went into effect the day we got our dog. She's had two vet visits for vaccinations and microchopping so far and both were paid within a few days of faxing the insurance forms to Embrace. In addition, an email notified us that the forms were received and being processed. Since claims may also be checked online, I saw each was completed and a check was on the way. Checks arrived, and we were reimbursed as promised. We have been Embrace customers for a little over a month, and if the service we have received so far is any indication of future service, then we chose a wonderful company. Thank you, Embrace!