Yet again, I am happy with the service that I received with Embrace. Originally my claim was denied, but since Embrace allows you to work with real people who contact you personally, I was able to explain the situation further, get additional information from my vet, and submit it to Emrace. Just a few weeks later the claim was covered. It's so refreshing to see a company let their employees make decisions based on information and logic - not bureaucracy. Thanks again!