I have 3 English Mastiffs and have had Embrace on them for 7 years, which is when we got our first Mastiff. I have loved Embrace from the very beginning. I chose the 10K yearly coverage on our first two dogs and with the 3rd I chose the 15K yearly coverage. All dogs have a $200. yrly deductible with 90% reimbursement. Throughout the entire 7 years I have submitted my claim and they pay it less the 90%, most of the time within 15 days. If they are going to be later paying I receive an email letting me know it may be a little longer. It has never been more than 3 weeks as far as I can remember. I usually put it on my credit card and have the money before the bill is due so I never have to pay any interest. This company also cares about the animals they insure. They check in with me and write personal notes of concern for the health of my dogs when they see that one of the dogs has been very ill. That is personal and caring service. You don't see that very often. I cannot say enough good things about them. They have given me peace of mind that my big dogs will be covered should anything happen. I would never want to be in a position that I could not give my babies the care they need - Embrace protects them. What more can you ask for? Thank you Embrace!