I signed my dog up for pet insurance when she was 3 and aside from some small issues, she was healthy and I did not need to file a claim for reimbursement until she was 8. After taking her to a specialist and having her get expensive imaging, she was diagnosed with degenerative myelopathy. The one positive to come of this experience was Embrace. A phone call with a representative for general direction made me feel like they were there to help and were very genuine about the whole situation. Within 2-3 weeks of filing the claim, they sent us a check to cover their portion of the bills and I couldn't be happier with this company.