I have all three of my cats insured with Embrace for the last two years. While we haven't had any major medical events (thank goodness) we have had a few minor scares. Embrace has been great every time. They keep me updated on every step of the claims process. They are easy to reach. I feel like I have my own personal rep who answers my emails quickly. I've never had a problem with a refund and I'm so happy we are covered through Embrace.