My Golden Retriever Layla has been "Embraced" for several years now. I am very happy that I went with Embrace as her pet insurance carrier. My sister uses a different company for her dogs and when I told her quickly my refund arrived for Layla's surgical procedure she was very impressed. I love that the entire claims dept. keeps in constant contact with you during the process of your claim and again, the refund arrived very quickly. Embrace is the only insurance I would use for my pets now and in the future.