I was so upset after learning that my 9 month old puppy had chronic kidney disease. I was just running around bringing him to vet after vet and collecting samples and researching. The bills started piling up. Unlike his original vet, the specialist we go to know has the worst customer service and wouldn't help me submit his claims, but luckily Embrace is so user friendly and their online claim submission is real easy. I was shocked to see that I actually received the amount promised because I had met my deductible this year. They are great and have great customer service. Definitely a shining light for me.