Embrace Pet Insurance is reliable and prompt. My 4-year-old Corgi-Lab mix, my Corgador as I call her, had to have emergency surgery at Kansas State University Veterinary Medical Center. She's one of those dogs with short legs and a long spine, which can spell disc problems. I came home one evening to discover that her hind legs were paralysed. I had to drive four hours to get her to a veterinarian that could perform the surgery--the faster you get them to the operating room, the more likely they will regain mobility in their back legs. Long story short, she racked up a pretty hefty bill--but she is fine, and fully recovered. I submitted my claim and Embrace reimbursed me within two weeks. They didn't question the emergency surgery or any charges. I would recommend them--and have recommended them to new dog owners. They are prompt and professional. With insurance, I feel like I don't have to choose between my pet and my pocketbook. Good company, good service.