I recently switched to Embrace after my old pet insurance company (Purina) went out of business. I have had nothing but a great experience with them! I love I can download claim forms with all my information on it and don't have to write it in each time. I also really like that I can check my claim status online and that the reimbursements can either come via check or direct deposited into my bank account. I have nothing but good things to say about this company. My dog was recently at the e-vet for 5 days and cost me a small fortune. That experience was really stressful but the insurance portion couldn't have been easier!