Hard to say if one can be "happy" with an insurance company because you never want to have a sick pet and need to use the insurance. I appreciate that Embrace has a healthy pet discount so that your deductible goes down over time if there are no claims. However in the last year I have had one dog that had cancer, another who had a helicobacter infection that led to IBD, and another who had an encounter with a porcupine and a kidney infection. A rough year for the pups. My dog with cancer died the day he was diagnosed so there were no ongoing treatments requiring insurance. In the helicobacter case, she required ultrasounds, biopsies, and meds for a couple months. My other dog's cases were fairly reimbursed. Embrace exceeded my expectations. Now I hope to go back to not making claims for a LONG time!