I am very grateful to Embrace Pet Insurance in general - and to the customer-service claims Embracers. Amanda Collins acted so speedily and thoroughly on my most recent illness claim for one of my cats. However, being a lower-income person, a disabled senior, I wish I could afford to have a lower deductible. It's disheartening to have that $500 deductible amount, in terms of some of the ongoing health issues my rescued special-needs kitty is bound to have. That's just my life at this point. But at least the Wellness part of my pet insurance for that same kitty, for special diet food, is a big help throughout the year.