I’ve had Embrace Pet Insurance for just over a year. I have 2 of my pets insured, about to insure a 3rd. Over all, the company is great! They have awesome customer service, have never had an issue with coverage, and although pricier than others, I find it to cover more than other companies. Their wellness coverage is great, especially the new $400 plan… perfect plan to be able to get annual vaccines and exam, flea and tick prevention for the year, and heartworm prevention for the year… and still have money left over! If you don’t care about wellness coverage, there are other companies you can check out (like Trupanion) that are a little less costly but also have good coverage… But if you want all around coverage, Embrace is your place. I have submitted several claims- both wellness and illness claims… Usually, wellness claim reimbursements are quick (although this last submission took a week). Illness claims always take a little longer, but it has never taken more than 2 weeks to get my money back. I like knowing that Embrace is there to back me up when my babies get sick. It’s a horrible feeling not having the money to be able to pay for treatment, diagnoses, or procedures to properly take care of my “kids” and I never have to worry about that while having Embrace Pet Insurance… My pets get better healthcare than I do!