Embrace is so easy to deal with. Their coverage for both Wellness and Accident are fantastic. Unfortunately we got to find out how it all worked early on when our new 3 month old puppy broke her leg. Thousands of dollars later (paid by Embrace, not us) we could not be more satisfied. I even submitted claims with mistakes (mixing wellness and accident together), they simply fixed it for me and sent a note saying they took care of dividing the claims into 2 and I would see both reimbursements show up in my account in a few days. AMAZING AND AWESOME. Great product and Great customer service!