When I got 2 kittens I investigated and read reviews on all the different pet insurance companies. After having a negative experience with ASPCA and my dog I was hoping that all companies were not the same and I could find quality insurance at a fair price. I decided to go with Embrace and their Wellness Plan. I submitted my 1st 7 claims together. Within 1 day I got an email confirmation of receipt of the claim. The following week i got an email saying my claims were processed and the checks were in the mail. Days later I received full payment for all 7 claims.