My doggie tore his ACL and required surgical intervention. All claims regarding his care were submitted as received and communications regarding the status of all claims during the determination period were prompt, clear and accurate. Claims were paid promptly and "Chorkie" is still in the healing process. Embrace personnel are professional and responsive and I would recommend this agency to pet holders. You just never know when your animal will need care, and it is prudent to have insurance. Technologies in veterinary medicine have improved by leaps and bounds, and keeping your trusted friend with your for additional years should be everyone's goal. Animals cannot tell us what they feel or what is wrong, so get them checked frequently to keep then healthy. Thanks Embrace for your TLC.