I was with another pet insurance company for 14 years and it was fine. But, when we got a new puppy I decided it was time to shop around because a lot can change in 14 years! I chose Embrace, and 18 months and a few claim later, I could not be more pleased with Embrace. While comparing companies I spoke with Embrace staff and they answered all my questions clearly and completely. Their claim form is simple and you receive email updates about your claim during the processing. The claim processing time has been extremely quick! You can't beat the direct deposit either! I have had claims over $1,000 and some under $100 - all have been processed quickly and the explanation of benefits is easy to understand. Embrace has been great to work with and I highly recommend them.