I have achieved my dreams of adopting a Toy Yorkie. After reviewing the many dog insurance policies out there, I chose Embrace. The ease of submitting her first routine claim was covered at 100% per the annual policy. I immediately received an email acknowledging the receipt of our claim and that they were working on our refund. Approximately a week later, I received a text that my check was on my way for the full amount. Also, I like having the option to have it directly deposited into my checking account. I think I picked a winner in Embrace.