I have only had Embrace for the last 3months and i was referred by my vet to look into Embrace,that he found they are the best pet insurance and he was right. I did check other pet insurances, including Petsmart. Petsmart insurance is only for their vet and certain locations,. Embrace allows you to go anywhere and offer many different plans to work with you and your pet.I just turned in a wellness claim and was reimbursed quickly.When you call with any ?? they are great and you will have your answer when the call is finished. I have referred Embrace to my family and friends and now my husband is telling his co workers about the pet insurance that his wife picked out.Iam very pleased and I have peace knowing that I have insurnace on my pet...Thank you Embrace for the excellent customer service that you have provided to me.