LOVE this company!! I should work for them, God knows I've told so many pet owners about Embrace. Last year, one of my dogs had a stroke, which was over 3 grand to diagnose and monitor. Last month, she had to have surgery on a leg, to repair muscle damage. Again, Embrace has come through for us. Both times I've used Embrace were for very expensive ER visits. What would we have done without Embrace?! I've had people tell me that they didn't think they could afford to insure their dog. How can you afford NOT to?? Especially in these economic times. Everyone is making less money, but vet costs sure aren't going down! I'm so thankful for Embrace! Nice folks to work with, awesome customer service and good turn-around time for claims. What more could you ask for?