First, I must disclose that I'd never bought pet insurance prior to buying a policy with Embrace so I cannot compare it to any other company. That being said, Embrace stands alone on a pedestal that is head & shoulders above the rest. I encourage everyone to do their research to find the best company & policy that suits their personal pets' needs. There are such a variety of options out there & it took me a month, after narrowing it down to 6 companies, to go through the details & come to a decision. Even though Embrace stood out immediately, I took the time to do my due diligence & it was absolutely worth it. We have a male Golden Retriever puppy & have saved over $1000.00 in the first year. They guarantee that you will receive a response within 15 business days of receiving your claim. Then, if you choose, you can have your reimbursement deposited directly into your checking account within 2 business days! Their customer service is great - prompt, friendly, genuine, helpful. The owner has emailed me on more than one occasion just to ensure that I received my refund as promised. This is a truly innovative company that has changed the industry. You can even customize your policy & it is worth every penny!!