When my dog Duke was a puppy, I took him to the a neighborhood vet that came highly recommended to us by our neighbors. I researched a bunch of pet insurance companies and had decided on Embrace. The first time a gave an Embrace claim form to our vet, the receptionist said that she had never heard of Embrace, which scared me, but deciding to go with Embrace for coverage was the best thing I could of done for Duke. Every claim that is sent in I get something back from them, with a detailed, full explanation of my refund. Whenever I need to take Duke to the vet, I feel like a have a partner helping me pay his bills and it eliminates the worry. I am so grateful to them for providing me with the peace of mind that the do!!!!! Thank you!!!