Embrace is the first pet insurance company we have tried. It was recommended by our breeder. We are very pleased with their service. They are prompt with the claims analysis and payments. And, I must say they are the most cheerful insurance company I have dealt with! Belly rubs to Embrace.They have some quirky rules about not treating the same illness within a year, which we have had got caught up in, otherwise, I would give them a 10.