Embrace has been wonderful! I got the insurance a couple years ago before my cat had any issues. But, she was getting older and I wanted to go ahead and get her covered in case of issues in the future (because I'm crazy about my cat and would do anything or spend anything to take care of her). Just recently I made my first couple of claims because she developed hyper calcimia and we were looking for the cause (turns out it's idiopathic). It has been the easiest most painless process. If only human insurance companies were this easy to deal with!