This is my first experience with pet insurance. I found Embrace to be quicker and better than my human medical insurance. They acknowledged receipt of my claim within days of my filing it. They also spelled out a timetable for settling the claim. I received reimbursement in less than half the maximum time they had listed in the timetable. My dog had skin problems that required testing and expensive medications.After paying a huge vet bill, my reimbursement from Embrace really helped ease my financial pain. Oh...and my dog has recovered from its illness.