Embrace has always been so easy and painless to use when filing a claim. No complaints. I have a policy for my 4 yr old cat Nugget. About a year ago he dislocated the base of his tail and his visits and medications have all been covered. I even took him to an animal chiropractor for adjustments and it was covered. Making the adjustments only $9 after submitting his claims. I'm sticking with Embrace no question.