I have to say that I am extremely pleased with embrace pet insurance. Customer service keeps you updated from the time your claim is submitted until payment is made-usually within 15 days. I would absolutely recommend them. In fact, I have 2 dogs and had another pet insurance for 5 years. I was unhappy with my old pet insurance customer se ice and fee schedule. I was concerned about switching to a new insurance at their age. I truly have been pleased with the way Embrace has handled all our claims . My only regret is not knowing about them when I first got my dogs!