I am in my 3rd year of Embrace for my dog Stryker and thus far have had an excellent experience. Although reluctant to buy pet insurance, I am very glad I did, particularly the healthy pet aspect of my policy, because it reminds me of the importance of keeping Stryker up to date on her vaccines, etc. Stryker has been very healthy so I haven't had to deal with any major claims but for those claims I have submitted (primarily skin infections and healthy pet claims) I have been very satisfied. The claims were handled in an extremely efficient and prompt manner. The claims are simple to complete and nothing onerous has to be provided. There were no surprises. Whatever the policy said would be covered was covered and vice versa.