I've only had good experiences with Embrace Pet Insurance. Since opening an account about a year ago, I've filed several wellness and injury claims as well as pre certification for surgery, and have received refunds in a timely manner each time. The amount of the refunds has always been as expected and there have been no problems with receiving the appropriate amount each time. Customer service representatives are always cheerful and polite, and they also seem to really care about the well-being of my dog when I mention a medical issue. I only wish their website was a bit more user friendly when it comes to payment and my information. It would help if I could update information (i.e. payment information, etc) on the website rather than having to call during business hours, but that's a small detail. I think Embrace Pet Insurance is a no-brainer and I recommend it to my friends all the time!