I insured my two cats about 18 months ago - one was 2 years old and the other was 12. I chose Embrace because of the good ratings on this site and the fact that they would cover my older cat, at least for accidents. Many insurers would not cover him at all. Since then my older cat got bit by another animal and the claim process was fast and easy and the check came promptly. Everyone we dealt with at Embrace was pleasant, professional and seemed to really care about our pets. Then my younger cat also had an accident on Thanksgiving day which meant taking her to the emergency clinic at paying high holiday rates. Again, the claim process was fast and easy and the check came in a week. In both cases the claim was fully covered minus our deductible and the 20% co-pay. We are very pleased with Embrace and would recommend them to other pet owners. We just wish they covered people, too!