Our cat, Linus and his sister, Bella, have been covered by Embrace since we got them as 2 month old kittens. All claims have been handled promptly and courteously. Whenever we or our vet have had a question we have called and everyone who has answered the phone has gone above and beyond to get us the answer to our problem. Our vet, who we have had for over 30 years, told us that Embrace is one of the very best, if not the best pet insurance plans on the market. Service and payment have been fantastic.