I have not one but two kittens, and decided that the best thing I could do for them would be to have pet insurance. Embrace came highly recommended. This review is regarding a skin problem for one kitten: diagnosis and treatment of eosiniphilic granuloma. Embrace notified me immediately upon receipt of the claims related to my kitten's diagnosis and treatment. They took just over two weeks to make a determination, and are covering 80% of the bill after the annual deductible was fulfilled - leaving me paying less than $250 instead of more than $700! While I expect to wait another week or so for the reimbursement check, Embrace DOES offer the option of direct deposit - probably a faster option.