Our dogs are like our kids so pet insurance was a must. Anything can happen, thats life, and when it happened, we were so glad that we had Embrace. They are great on the phone, no long waiting times, super friendly staff and the claims are reviewed in a very short time period, between 10-20 days. It was so simple to take care of the paper work so that I can spend more time caring for my dogs. Thank you Embrace!!