My first visit to the vet with my new dog resulted in returning home with several pamphlets on pet insurance. I did my homework and extensively researched each one. Embrace was by far, the best one I could find. They have not proven me wrong!! Their "claims embracer's" are outstanding. I am kept informed every step of the way regarding my claims and receive answers to my questions quickly and professionally. The turnaround time on claims is good and there is always communication from Embrace as the claims are being processed. Sadly for my dog, he has issues but I have relief knowing that Embrace is there for me. I am happy I chose them.