Embrace has been a pleasure to work with since the day I signed up 3 years ago. I haven't had any major medical issues with my dog (minor skin issues/allergies/ear infections etc), hence no payments/checks made yet. However, whenever I have had claims processed to be put towards my deductible, it's been done quickly, efficiently, and most importantly, with such a pleasant and helpful attitude. Most insurance companies look for reasons to reject your claim -but Not Embrace. I am blown away by how willing to help each representative is. They are the epitome of great customer service. So far so good! And I have recommended them to others, as well as my vet's office, and I only hear good things in return as well. They definitely go above and beyond, over other pet insurance companies.