I have been with Embrace pet insurance for almost half a year and filed 3 claims. I got my reimbursements very quickly. Before I purchased this pet insurance, I searched all the good-reviewed pet insurance. It seemed that Embrace has a generous policy and the monthly charge is more affordable. After being with it for half a year, I did not regret at all. Just one quick tip: buy the Rx coverage. I did not buy the Rx coverage but I added it later.