I've spent $100 a month for embrace pet insurance for my 2 dogs. Both occasions of submitting claims (Small claims) that were less than $150 each... they have made more excuses in not paying them on time. I had emails saying 10 business days, then i'd call back, be told on Friday, then i'd call back a week later to be told they had a new computer system. I had more excuses, and horrible customer service. They swear they follow up with you but say they "Dont leave voicemails" when i had no missed calls. Finally after I threaten to leave and go to someone else, they shoot me a termination letter out of my coverage effective immediately and pay my claim. I AM HIGHLY UPSET and will contact an attorney. Its a fly by night, dont trust them. These reviews are probably ppl who work for them.