I have worked in the claims industry for years am amazed how pleased I am with the service of Embrace! I researched numerous companies and they have the best coverage available, in my opinion. Their Claims Representatives are professional and courteous and my claims have been handled timely and correctly. There have been just a couple times they have been a bit behind in their handling, but no worries, they notified me! I remain cautiously optimistic I will continue to feel the same about the Company in the future. I have recommended Embrace to my Veterinarian's office. Just remember to keep a Claim Form in your glove compartment (it just seems I never remember to print one when I need it!)....