I am a first time cat owner & researched which pet insurance would be good. I thought Embrace had good coverage but probably, due to lack of experience and understanding of the coverage, I feel after submitting one claim, it may not be for me. I don't understand how I pay for a premium every month & the reimbursement I gave for claim, matches a portion of what I pay for the premium. My claim did not get fully covered. After taking time to submit the claim, in the end, most of the payment is out of pocket. I could have paid out of pocket without the insurance. Bottom line, I reviewing whether I should keep the insurance; even though, the process went smoothly.