I'm very pleased with my experience with Embrace. After an entirely negative one with Trupanion whose sole mission seems to be not to pay for anything, Embrace seems to do just what it says it will do. I submitted claims for my cat who wasn't eating & required a number of vet visits which quickly became expensive and I was pleasantly surprised that Embrace reimbursed me for an appropriate amount of the expense. I've already recommended Embrace to friends and family. Nice to have a positive experience!