Embrace insurance is absolutely a great insurance for your pets. They pay after you meet your deductible and if you have a pet with problems like we do you pay the bill and submit the bill and they pay most of the cost. Embrace has been very good to us and our pet. He has had some severe problems and they have come through and helped with the expense within a couple of weeks at the most and they have sent emails to make sure we received our payments if we don't cash or deposit them right away. Embrace is definitely our choice for pet insurance and we thank them for all they do.