I have never had insurance on a pet before however I recently got a french bulldog and I know they are sometimes prone to health issues so I thought it would be a good idea. I am so grateful and relieved that I did decide to have my pet covered by embrace. Any instance that we have ever encountered my claims have been covered by my policy including breed specific conditions. All of the staff members I have encountered have always been friendly and extremely helpful. I have never had any issues, I am very satisfied and happy with the care I receive from embrace. The claims I have needed to be covered have been processed and reviewed by embrace very quickly (within a 1-2weeks). I recently got my pet neutered which was not covered by my plan and I was aware of that when purchasing his coverage, however the medications such as his antibiotics and anesthesia were covered with his policy, i received my check within 2 weeks of submitting the claim. He also had a breed specific condition which was referred to as brachycephalic, he had an elongated palate, this was also covered with his plan as a breed specific condition no questions asked.