Out of 10

OK, so this is not the first pet insurance carrier I've tried so I speak with experiance in which company I think is the best, and its by far, Embrace.
Things I like most are:
1. There is an actual person that answers the phone and addresses your questions, etc. Not like an answering service type person, but a real person that actually cares about your pet.
2. The claim form isn't confusing and its easy to submit all your information.
3. You don't need all kinds of ridiculous paperwork to get your policy started.
4. The turnaround time for a reimbursment check is reasonable
5. The way that your policy is broken down is easy to understand.

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