This is my first time with pet insurance, and I am going on year two with Embrace. I adopted a senior dog from a local shelter, and after covering my last dog's health bills all out of pocket, I knew I wanted to try pet insurance for my new pet. I shopped around and compared coverage and prices, and I decided on Embrace because of the flexibility of their policies and because their prices are totally reasonable, especially for a senior dog. Not long after adopting my little senior my vet found her liver levels elevated and a mass on her spleen that had to be surgically removed. Embrace customer service was so easy to work with during all of that and has continued to be helpful whenever I submit a claim or have a question. They process claims quickly and issue reimbursements immediately after that. The wellness coverage is a no-brainer, and worth every penny. I have added my cat to my policy now too, and I have complete peace of mind for both my pets. I'm confident I could afford to provide them with any medical care that they need with this pet insurance. I recommend Embrace to all my pet-owning friends.