All my 4 kitties have been covered by Embrace for over 7 yrs now. Unfortunately 2 of them have been dealing with serious health issues ( cancer and kidney failure ). I dont know how we would have been able to offer them the best treatment possible if it wasn't for Embrace. Their policies are very clear and easy to understand, claim submission easy and processing time very reasonable ( up to 10 days). Their coverage is excellent.Customer service staff very friendly and knowledgeable.