I'm gonna have to rate Embrace at a 10. Embrace has covered everything they said they would. i have had to file 11 claims so far. not one issue. they process the claim rather quickly. 1-2 weeks and i have my check. i have used other companies before with previous pets and, Embrace has by far exceeded my expectations. one thing to point out. i mailed my claims in, but if you fax them it will be much faster. about a week. keep copies of the claim form in your cars so the vet can fill them out right away. i very rarely write reviews, but Embrace has earned it, 100% satisfied.