When i first signed up with embrace i was a little skeptical. I never had pet insurance before. But embrace was true to their word. I just followed the outline on what type of coverage I wanted and just signed up. I have had to use embrace several times and I have had no issues with reimbursements.Another thing is that when you call customer service everyone is so knowledgeable and friendly. I could not have chosen a better pet insurance company for my pet needs.