I recently submitted my largest claim to date after my Beagle fell extremely ill. I was worried that maybe I hadn't read everything correctly (you know...the fine print) and it wouldn't be as "covered" as I thought. What a relief to know that this company does exactly what it says it will. The reponse was fast, organized, detailed, and very easy to understand and most importantly caring! Embrace staff really care about your pet! Financially this would have been impossible for me to manage so their quick response has really saved my month! I am so glad that I did not have to skimp on care for my dog for financial reasons. I just couldn't handle that burden. I love Embrace! Thank you!