I did a great deal of reading and comparing before finally deciding to go with Embrace. Glad I did. They have a stellar reputation for customer service. I recently took my dog in for a skin problem and the orthopedic exam. After sending in my claim, I promptly received a courteous email followed in a few days by the reimbursement check. Had no idea it was going to be this easy. If only people insurance were run with the same amount of forthright honesty and courtesy.