I have been a customer of Embrace Pet Insurance since 2009 and I waited 2 full policy terms in order to write this review. So, I can say my review is based on 2 full years worth of service and not written in haste or without due experience. Of all the insurance benefits available to pets, Embrace has exceeded all expectations in providing the best benefits,claims and customer service. The staff is very congenial and polite in their email responses. They always take an extra step in ensuring the customer gets a thorough and detailed explanation for any rejection of a claim. They are very diligent in researching everything on your behalf. I would recommed Embrace to everyone who wants the best and most comprehensive insurance coverage for their pets. I have never seen a company so quick in responding to claims and there are truly no hassles. They cover almost everything including the waste products that vets charge us for! Truly the best insurance in US for Pets! I am going to renew my coverage with them for the third consecutive policy year. I can rest in peace as I have embrace to take care of my pet's medical needs. Thank you Embrace Team!