My first experience with pet insurance has been with Embrace. I was very hesitant about signing up for it, thinking that it would be a waste of time and money. I assumed that any pet insurance company would say that they would cover something, but when it came down to it, they would find a loophole to not pay. Not Embrace. Our dog, who is only 3 years old, unexpectantly started having problems with her legs. Come to find out, she needed surgery on both of her knees. The Embrace staff could not have been nicer or more efficient. They helped us through the whole claims process and in the end, they paid everything that they said they would. I would recommend Embrace to anyone that would do anything for their pet. For myself, I would never be without pet insurance again bewcause I wqould do anything for my dog's health.