I have a friend who had a different pet insurance program and over heard them mention it when there pet was ill so I checked into their program and others online and Embrace seemed to be the best. I signed up. A few months later are little one got sick. Took him to the vets. I was not serious. I mentioned to the vet we had an insurance plan and he said they usually don't pay much. I was disheartened but summited the bills by fax. I was notified by email they got them and was processing. In less than a week I got an email with my refund amounts. I have to say I was happily surprised. Embrace covered everything they said they would. I don't get this good of service from my own health insurance program. I am happy we are covered by Embrace. I am going to recommend it to my family who have pets and everyone else I meet.