Embrace insurance, and the claims process is amazing start to finish. It is easy, the staff is helpful, and the process is not stressful at all, at times when the rest of you and your pet's life and issues are stressful! I really cannot recommend a better company to use for your dog or cat. We have a newfoundland who we thought tore his ACL, and had to get xrays immediately. They were close to $1k, and almost all of that was covered. I am so happy to know we have Embrace to help us through these times for our giant breed.