I've had Embrace Insurance for two of my dogs since 2009. They were both very healthy until this year. Frankie hurt his back. I have been so pleased with the coverage we have received. The claims have been processed and paid with no questions asked within two weeks of their submission. I used to have VPI insurance and the scheduled payments just didn't cut it. I hardly ever collected anything. I'm so glad I found Embrace. I've really spread the word too. I work at a dog training facility and I'm always bragging about the wonderful insurance I have. Thank you, everyone at Embrace!