I've worked as a medical secretary for the past 6 years and working with health insurance companies is a big part of my job. I am simply blown away by Embrace Pet Insurance in every category, so much so that I'm disappointed it's not available to humans!. The customer service may actually be the best I've ever gotten from any large company, insurance related or no. It is simply incredible how quick their employees are to reply to emails, and how kind and helpful their staff is. If you call them, you'll actually get a person on the phone right away! I am very grateful and glad that my pug has Embrace Insurance and recommend them to every pet owner I know. I live in NYC where veterinary bills are astronomical, and Embrace has helped cushioned the blow for many expensive crises. Two thumbs up!