I was referred to Embrace Insurance through a good friend. At the time my Standard Poodle was great and I wasn't certain I needed Insurance. I looked into their policies and decided with their rates that I couldn't afford to not have pet insurance! Since then I have had used the insurance more than once and the last time was an expensive emergency trip with my dog needing to be admitted for 2 days. On EVERY occasion they have responded to receiving the claim within a couple of days and I have received a check within a couple of weeks. This is a great company with representatives that are always there to assist in any way possible.