My papillon mix has been insured through Embrace since I brought her home five years ago. Over the years we've had minimal need to file claims though the few that I had were always quickly taken care of. Last year my pup had her first seizure; this year she had another. The emergency visit to the vet was costly, and so were the follow-up tests to try to diagnose the cause of her seizures. They covered exactly what the policy agreement said they would cover, without the back and forth fighting that one usually experiences when dealing with insurance companies. The claims were quickly processed and the check was sent promptly. When you're stressing out about your baby's health, the last thing you want to do is waste time bickering with the insurance company. Thank you Embrace for being an honest insurance company. I would (and do) recommend them to all of my friends that have companion animals at home.