Our two year old Lab/Retriever mix pup had a large growth on her leg, which the vet thought we should have removed & tested. Embrace was so very quick to process our claim and issue an insurance refund - lightening fast! I cannot say enough about the staff's thoroughness with acknowledging, processing & paying the claim. We are so happy we decided to obtain pet insurance through Embrace. We will continue to do so for the life of our wonderful Marley. Thanks!