I was a little chagrinned with the proposed 2016 rate increase for my (now) 2 year old Lab. Then she developed an abscess from a foxtail and I ended up with almost $800 in vet bills. I was then amazed at the speed and efficiency of how Embrace handled the claim. I had their check within a week with NO fuss or questions asked. I couldn't be happier with this insurance. I wish I could get as good a plan for myself. I've advised the Vet and staff at Big Bear Lake VCA of this excellent plan. I got this insurance because Consumer Reports has consistently given it their highest ranking and now I can see why.