Our 12 month old Aussie was hit by a car and suffered traumatic injuries that resulted in 2 extensive surgeries and continued rehabilitation. With all the emotional anguish that we were already experiencing I was so relieved and impressed with the Embrace staff and procedures when making a claim. I had only recently purchased the pet insurance and was envisioning fighting them over some of the incidentals, based on my experience with general insurance companies in the past. I was so thrilled with my experience with Embrace, the claim process was simple and we received our payments very quickly. I would have no hesitation in recommending them, and now plan to sign up for their wellness option too!