Every interaction I've had with Embrace customer service reps has been extremely pleasant, helpful and involved zero fuss. My first serious reliance on this insurance did take a bit of time to process, but with a follow up call it was taken care of right away. I received a check for the correct amount (less deductible and my percentage obligation) very shortly afterwards. With 4 aging fur kids, it provides extraordinary peace of mind to know I have Embrace insurance for whatever may arise. Wish I'd had it all along. To those considering ... do it. You'll be glad you did.