I have had this insurance for several years and they have always been fast and reponsive to my pet's needs. Recently, one of my cats died. I was devastated, and sent a simple question to the Embrace staff about stopping coverage. In one afternoon they responded to my question, adjusted my coverage, and returned a portion of my monthly coverage fee. I paid for cremation, knowing that Embrace would reimburse the fees. Then Embrace went above and beyond by sending me an email to let me know that they lot a vertual candle in memory of my kitty. That was such a personal touch, and not something they had to do. Just wanted to say that they have always been fast and efficient, but now I know they really care too. Thanks Embrace.