For years I had no trust in pet insurance. It was too new and from everything I had heard from pet owners I knew who had insurance of any kind they always said it never paid properly. When I lost my two dogs that I had had for 9 years and got a new dog, I decided to at least review the pet insurances. I literally read each and every review from each pet insruance agency online. Embrace by far was the very best insurance company out there from the reviews that I read. I decided to give them a shot. Well, I submitted my first claim and was very pleasently surpised when in fact my claim was not only received and responded to in a very timely manner but Embrace paid off every penny I was owed back in an extremely timely manner as well. Needless to say I am extremely pleased with Embrace and their customer service is outstanding as well.