Embrace Pet Insurance is worth every penny of the nominal premium. My 1 1/2 year old chihuahua Chapo has been ill on more than one occasion throughout this past year and my vet bills have been outrageous. Although sometimes I feel like I'm being scammed by the vets, I have nothing but 100% trust and confidence in Embrace. Their claim reimbursements are immediate, they even have direct deposit. I can always get to a live person if I have questions about my policy or any claims. I can check my claim status online. And the most important things is that they cover what they say they are going to cover. EMBRACE PET INSURANCE IS A SOLID, RELIABLE company that does everything on the "up and up."