My dog is only four, so I couldn't have imagined that she has an autoimmune disorder. It nearly killed her over the holidays, and I had to face the choice that many pet owners dread. Because the onset happened Thanksgiving, and because she was so critical, I had to take her to the emergency center, which cost more than $5,000. Thankfully, she's stable now. And her policy deductible had been paid earlier in the year; so Embrace covered approximately 90% of the bill. What a relief!! Especially around the holidays. To top it off, the customer service is consistently good. I've had nothing but pleasant experiences with their reps, who genuinely seem to care about the pet and making sure your claim gets processed. I highly recommend Embrace (and have already to my friends).