I cannot say enough good things about Embrace. I have had other pet insurance but none can compare with Embrace, The turnaround time for paying a calim is between one and two weeks. With other comapanies you are lucky if they pay the claim in a month. Plus they let you know by e-mail that the claim is being processed. Without Embrace financially it would be very diffuct to take my wonderful sweet Calico cat to the vet when her chronic ear problem is acting up. I have recommend Embrace to several of my friends.