I cannot say enough great things about Embrace Pet Insurance. My dog Twinkie has been ill for several years with multiple issues and Embrace has always provided excellent service for her needs. Twinkie recently lost her battle with kidney failure and it's complications, which was devastating. Twinkie's claim was processed quickly and an Embrace representative contacted me to offer condolences, which was incredibly touching. I actually maxed out my policy refund this year. This year alone Embrace paid out $10,000 towards my Twinkie. Embrace paid that amount, plus the multiple thousands of dollars over past years, with never a delay in claim processing or any major problems with claims which is amazing. The customer service is always great, and they were so compassionate in the end which really showed me they went above and beyond. Embrace allowed me to give her the best quality of life for seven wonderful years. I will definitely take out a policy with them with future pets. Embrace is without a doubt the best pet insurance company out there.