I decided 3 years ago to try this insurance. I had some claims the first 2 years which processed and paid promptly. But a few months ago I noticed a lump on my dog's leg. Tests and tests and a surgery later she was diagnosed with sarcoma. We opted for radiation therapy over leg amputation. Embrace initially excluded some small charges on the radiation therapy claim, my vet appealed and they were promptly paid. With each claim I've had the money in my account within 5 business days. With almost $10,000 in veterinary expenses, I would not have been able to treat my dog without Embrace and would've had to let the cancer progress. I am so thankful I bought this insurance and couldn't have asked for anything better.