This was a great decision! I've been with Embrace since October of 2013 (my first ever experience with pet insurance) & just received my first wellness claim payment. It was less than 10 days from date of fax to mailbox! I've also received wonderful, prompt, professional, yet still 'real' & friendly communication from Embrace before during and after my submission - wouldn't it be great if human insurance was this painless? THANKS EMBRACE!!