I am beyond pleased with Embrace. I was very skeptical about puppy insurance. We had a very expensive hospital stay for our puppy and decided to try it out. I choose Embrace based on reading reviews online. We have had them for 5 years now and I have not once been dissapointed. The claim process is very easy and fast (our dog likes to let us try it out - she loves going to the vet and tries to get there as often as possible). The staff is always checking in to be sure that you know they have recieved your claim/are processing/sent out a check, etc. I would (and have!) reccomend Embrace to anyone. I have a friends that have also used Embrace based on my experience and they have nothing but good things to say as well.