My dog Torsten has had 2 torn cruciate ligaments, severe joint damage, auto immune disease, and pnumonia(sp?) twice. Embrace has paid (Immediately) for 2 separate TPLO's from surgeon specialist, 24 hr emergency visits, all vet costs, AND Amazingly! 2 separate Stem Cell Retrieval and Injections. They have paid out over $10,000 on this one dog, and gave him 4 extra years of quality life. They literally saved his life 4 separate times. These people are simply Crazy Over-the-Top in ease of claims, immediate Personal contact, follow up, and ..well everything. They cover Everything, unlike most other well-known Pet insurance companies, AND they are possibly the LEAST Expensive! I kept my pet insurance even when I could not afford my own health insurance..and it was a wise decision. I respectfully suggest that everyone recommend this company to anyone owning a Dog or Cat.