I have always been very impressed with the Embrace customer service representatives in purchasing and updating my policy with new animals. They are always friendly, caring and knew their business. I had never had a claim in several years, and was thinking that maybe I could economize by dropping the insurance, when lo and behold our large shepherd ruptured his cruciate ligament and was in dreadful pain. He needed an expensive operation quickly. Embrace handled the claim within days, and fully paid everything we were to get under the policy. I was very, very impressed. Needless to say we will not be dropping the coverage! With 5 dogs, it is really peace of mind.