I was extremely pleased with the reimbursement we just received for our newly adopted dog,Honey, who unexpectedly developed aspiration pneumonia. My previous 2 dogs had been insured with VPI. With repeated negative experiences over the years, I had decided that with our next dog, I would research to find just the right pet insurance company; and it looks like so far my homework paid off. I even told my vet's office about our initial positive experience with Embrace!!!