My 7-year-old bichon/lhasa mix has had Embrace insurance since he was 3. Recently he had 4 seizures within a couple of weeks. We are still investigating possible causes, but we've made four trips to two different vets, and already have heard that our first claims have been processed. I am so impressed with the humanity and courtesy of all the "Embracers." Emails are prompt and clearly explain what has been done. I even got one email saying that our claim was in the queue and not to worry that it had fallen into a black hole! Another time when I called with a question, the person I spoke to was very kind and solicitous of our pet's welfare. I did my research before we chose Embrace, and all of the positive comments I read have proved to be correct.