My dog had a major emergency surgery for foreign body ingestion. The total vet bill was $4700. As soon as I submitted my claim, the Embrace claim staff pretty much stayed in touch with me everyday to let me know if they need any more information. It turned out we needed to have my dog's prior medical history record from the vet (up to one year before the policy start date). This is a standard requirement by Embrace that I just did not get to it when I signed up. As soon as they got the information, my $4700 claim was processed the next day with no questions asked. It was so fast and so hassel free that it really blew my mind. I will definitely go around and tell everyone about Embrace. I am so glad I have my pet covered by Embrace. There are other cheaper policies out there. But nothing beats a quick claim processing! And I actually shopped around a lot before I signed up with Embrace. Given the amount of coverage, flexibility of choosing your plan based on your need, and now I know how quickly they process claims, I would say Embrace is the best. VPI probably is the worst ! Thank you Embrace for saving my dog's life!