Embrace Pet Insurance has been fantastic so far. On-line submission of claims makes it easy. Customer service responds quickly and according to the policy. Costs to visit the vet have steadily risen over the years. Embrace is affordable and gives me confidence to know that if anything major we're to happen, we would be covered. And...it has helped with the common issues. I'm not hesitant to see the vet when we need to. Thank you Embrace!