I have to say that I have been skeptical to say the least when it comes to pet insurance. You hear these horror stories of unreturned emails/calls. Claims being rejected and terrible service.. But after arriving to Hawaii My schnauzer has unfortunately developed an overall sensitivity to everything even down to what she's able to eat. So with my vet bills going from bad to worse my veterinarian kept suggesting I look into insurance. She kept saying "some even cover the presciption food" and so after 1 year I caved. I purchased embrace in December and I just went to the vet and my whole claim was processed and reimbursed In less than 48hrs! The money's great but I'm so thankful for the piece of mind. And I'm feeling like a better dog parent by the minute. Thank you embrace!! I regret not taking the plunge sooner!!