I did a lot of research almost 5 years ago when I chose Embrace. From day one I've been happy with my choice. On one recent claim my 5 year old Miniature Schnauzer, Brody, was diagnosed with juvenile cataracts. I am willing to pay for a premium policy, just like I do for my own health insurance where I know what my deductible is and what my actual coinsurance will be. And my reimbursement will be for the actual cost of treatment. I have been very happy with the care and speed of service....with auto deposit I've been reimbursed within just a few days of my vet faxing our claims. I am a loyal advocate for Embrace and recommend them any chance I can. You will not find a better company to work with.