Embrace continues to impress me. My poor pup had some stomach problems, and we had to run the usual battery of tests. I quickly and easily submitted my claim, and a couple of weeks later, I got a fair reimbursement for the majority of my two claims. Can't complain. I have a sense of peace of mind being an Embrace customer, especially with as expensive as pet care can be. Pet insurance is essential these days, and Embrace is the way to go...I've been a member for almost 4 years. Highly recommended!