I have done alot of research before I signed up with Embrace. All other carriers have had negative feedback/reviews and made me very cautious on even getting pet insurance. For example, are all future claims going to be a battle of what is pre-existing or not... However, I found Embrace and I thought to give it a try. I am extremely glad that I did. The customer service is beyond exceptional because there is actually a person on the other line! I recently filed a wellness claim and frankly I didn't have high expectations of the process... Embrace surprised me by making the process so easy and painless. My entire wellness visit for my pet was reimbursed! All I can say is wow! Embrace rocks! I feel secure with Embrace.