I have had so many things go wrong with my dog in the last 6 months....I had to pick a claim amount but I am not reviewing any specific claim, so I just chose a random amount. Before this year I thought Embrace was a waste of money. But I have so far had over $1500 refunded to me which is a BIG DEAL and who knows what the future holds, my dog is only 7. They are SO easy to deal with, just fax a simple form in, and get a check within weeks. I have yet to have them refuse anything even though I feel like I am faxing over forms every week (lets hope that stops). I only wish they had human health insurance!!! Consider it, Embrace! This is my third review and likely my last because I am just repeating what I have said before.....don't even consider another company!!!