We have had a policy with Embrace for over a year. Our Lab, Rooney was gravely ill with acute kidney failure after he was neutered last year, and Embrace was absolutely amazing every step of the way. From the ease of submitting claims to prompt payment, I am ever so grateful for this team. Perhaps the best thing in my opinion about the Embrace team is the level of professionalism and care with their customer service department. The team answers questions quickly and thoroughly, and I really don't think I have a negative thing to say. We purchased our policy when Rooney was just 5 months old, and we will have it throughout his lifetime. If you are debating getting pet insurance, I highly recommend Embrace for affordability, coverage, convenience, and most of all, how much they care.