I adopted a dog 7 months ago, and bought insurance for the first time. So far I have been very pleased with Embrace. I send in my claims through my vet, and they have always paid some portion on each claim. If I added up my premiums, and then looked at what they have reimbursed, at this point I could have probably banked the premiums myself, and come out put them towards my vet bills. BUT that is not what insurance is about. Insurance is that peace of mind that if something goes really wrong, you won't have to make a decision about your pet's life based on your finances because Embrace will be there to help you. My minor claims so far have been handled fairly and promptly by Embrace, and with gracious customer service when I have had questions.