This is my first time getting pet insurance although this is the third dog that I have owned. I was always apprehensive about its worth ( now I'll never be without it ). After getting my new puppy I researched the various insurance companies. I then went with Embrace. I have had a few claims , they are always handled quickly. My last claim was settled in 8 days which is great. The customer service staff is always helpful and courteous. I am very happy with Embrace so far and I recommend this company without reservation.