I have had Embrace Pet Insurance for 4 yrs now and I am very pleased how they handle the claims for me. Our golden was sick in Sept. and had to go to the emergency vet. in the middle of night for treatment. When I submitted the claims I was covered and got a check within a couple of weeks. It is nice to have pet insurance so I don't have to worry so much anymore. This is the first pet I ever had insurance on and think it is great.