I have had Embrace pet insurance for the last 4 years. It is by far the friendliest, easiest and quickest paying company out there. Communication is quick and friendly. I went 3 years without a claim and this year has definitely made up for it. My German Shepherd had a major infection which ended up needing surgery. Every bill (minus my copay and deductable) was reimbursed. There were no payment schedules or nitpicking involved. I love this company and highly recommend it.