I have nothing but good things to say about Embrace. Little did I know when my collie puppy came to us at 10 weeks that he would subsequently develop inflammatory bowel disease. This diagnosis was solidified after several veterinary visits and a hospitalization. Need less to say having insurance was very helpful financially. even more so was having Embrace insurance.The staff was incredibly helpful and gave me updates as to the status of my claims. I woul donly recommend Embrace as the pet insurance to purchase.