We are very happy we chose Embrace Insurance. We have a puppy (7 months) and have had a few puppy problems that have added up. They are quick to respond when you fax them your vet bills-and send you an e-mail when the claim is in process. They also send you an e-mail, as to what was covered and send the check out quickly. Their customer service on the phone is very professional and helpful. I also purchased the wellness care and was glad I did. We are very happy with Embrace and would highly recommend!!! You never know what will happen and you want to be prepared-especially when it comes to your pet!!