I have never had pet insurance before, but I am so glad that I have it for Fiddle. Fiddle has turned out to be a very high maintenance. At about a year old she started having seizures. At 16 months we found out she had ectopic cilia. Both of these conditions have been expensive. Each and every claim that I have filed with Embrace (and there have been many)have been handled in a quick and efficient manner. Every claim has been paid exactly as the policy described without any quibbling. I have never had a claim challenged or questioned. I truly have peace of mind thanks to Embrace.