My cat had an unusual series of diagnostic tests in the past year and Embrace has reimbursed me the expected amount every time, no questions asked. I work in an animal hospital and have seen our clients struggle with other pet insurance companies; their claims are denied for stupid reasons and they are given the run-around. I have not had this experience with Embrace. My cat visited a cardiologist and an oncologist this year (both very expensive) and Embrace paid me without even requesting vet records, which I was more than happy to send. It was a stressful time for me, thinking that my beloved kitty was sick, but Embrace helped me focus on Lola and not on the expense. Thank you!