I've had Embrace Pet Insurance for about 10 months on our puppy golden retriever Macy. Well Macy found one our plastic disposal razor and ate the top of the razor. X-Rays and overnight visit at the vets office and Macy was fine, no surgery. Made a claim and it was very easy, staff was most helpful and even after i meet the deductible i got still got about 25 dollars back. I was most impressed when I got an email from Embrace asking if things were ok and did i receive my check. Why can's America's health care work like Embrace Pet Insurance does. Great job and I am a very impressed customer.