This is the first time I have had pet insurance and I couldn't be more pleased with the services received for both of my dogs. Each time I've needed to file a claim, Embrace quickly informed me, via e-mail, of receipt of the claim and gave me an estimate of when to expect reimbursement. The two times I've made a claim, the check arrived either within that time frame or earlier. In addition, communication with office staff has always been easy and pleasant. I would not hesitate to recommend Embrace and in fact, have recently recommended them to my Vet who said she would put literature for Embrace in her office.