Embrace was super quick to respond to our claim about our dog being attacked at doggie day care. Our dog had attack wounds on his head that resulted in stitches and Embrace took care of reimbursing us after meeting our deductible. The response was quick and the customer service was outstanding. We did our research before choosing a pet insurance company, and I have no doubt that Embrace is the way to go, highly recommended just for the fact that these people care about your pets. BTW, Embrace sends out email newsletters discussing safety and health tips, just another way to show that they are looking out for your pets.