I am so pleased with the Embrace policy I purchased for our dog, Tucker. I found a mass cell tumor on him and had it removed. I faxed two claim forms (initial exam/fluid draw; surgery) to Embrace on March 13th and received confirmation that they had received them. I received an email this morning advising that the claims had been paid and I would be receiving a check. No delays, no questions. This following another two surgeries he had at the end of last year. I am so happy I went with this company when I was researching insurance for Tucker. If our other dog was a little younger and could be accepted by Embrace, I would switch her over to this company in a heartbeat. I am very, very pleased.