At first,I was hesitant about getting pet insurance. Then USAA recommended Embrace. I opened a policy with them for our first dog. I filed a claim and was ready to wait 2 weeks, but it didn't take embrace that ling. I still have a policy with them and would not give it up for anything pet related. I rate Embrace a 10 because 100000 is not available. They go out of their way to ensure their costumers are satisfied. They are more about quality rather than quantity. Embrace your are truly the best at what you do.