I recently enrolled all 3 of our dogs with Embrace. After my former dog insurance company was acquired, I experienced a decline in service. I researched other pet insurance providers and learned about Embrace on the web site http://www.petinsurancereview.com/dog.asp. I liked their combination of wellness with illness and accident coverage. I am pleased that real people get on the phone when I call and give me clear answers to my questions -- altho I wish they wouldn't call themselves "embracers"-- but that is a style over substance issue. Embrace's web site is up to date on tracking all claims which also makes things very customer-friendly. Bottom line-- Embrace does exactly what it says it is going to do and responds immediately to submitted claims.