Our family knows insurance well and have been very pleased with Embrace and its quick response to our initial claim. The process was simple, easy and efficient. Our claim for our puppy's prescription diet food is being paid under the wellness plan. Puppies are sometimes born with sensitivities and often will outgrow them. Embrace is the only pet insurer that gets that. Food allergies are considered a pre-existing condition by most other pet insurance companies. Embrace covered our dog's RX food because they understand that food allergies are cureable. It just takes time to figure out the cause. Thank you Embrace for getting it!