I've been a customer for 7 years, but have just had the need to use it in the last few months. I've got 2 older cats (14) - one with cancer, and one with other issues that go along with his age. Embrace has been incredible. Submitting a claim online is simple, and the reimbursements are FAST. That was a concern for me when I first submitted a claim, but I get mine usually within 5 business days. It was great when my girl went into kidney failure and was diagnosed with cancer to not have to base my care decision on whether I could afford to give her the best treatment! She's doing well on her treatment, and I'm not going broke. A win all around! Highly recommend Embrace.