I'm really glad we not only have insurance but that we choose Embrace. We've owned dogs for almost 30 years and rarely had anything more than wellness checks. But we got the insurance with our most recent dogs and wouldn't you know we've had issues from intestinal blockage surgery, chronic allergies, and the ever popular "unknown malady" that requires plenty of tests. Embrace is great at acknowledging claim receipt so we know if the vet set it in. They process quickly and if there is going to be a delay they let you know. The direct deposit of benefits is wonderful!