I really like Embrace Pet Insurance. I've had people email me to let me know my renewal was coming up and ask if I have questions about it. I get to actually speak with a customer service rep when I call in with a question. And you know what, they are all really nice! They asked me how my pet is doing, and they used his name. Seriously, I don't think other insurance carriers have the same standard. Plus, my policy is straightforward, and submitting a claim is as easy as bringing a blank form into the vet. I am a happy customer, and I truly thank you. I recommend Embrace because they care.