I have to say, Embrace Pet Insurance has surpassed my expectations of honoring medical claims for my dogs. HUMMER(Yorkie-Poo) has been insured since 9/1/2014 and CoCo(miniature Poodle) since 3/30/2015. Embrace provides immediate coverage for standard treatment, i.e., vaccinations, flea & tick guard and other wellness procedures, a variety of discounts, reasonable rates and different rates of premium payments. Embrace is our 2nd insurance carrier. What sets Embrace a part from other pet insurance companies is their continuous interaction and responsiveness with the parents of the insured. I think they understand how expensive pet bills can be, especially for puppies. They continuously remind customers to submit all essential paperwork in order to maximize all reimbursement claims.