We needed a policy for our two new puppies and hands down Embrace offered the best policy for the money. We were able to build a suitable policy for two at about $150 a month! We were extremely pleased with that! Our experience with customer service, reimbursements & the policy have been great thus far. We will look at changing the policy to suit us as our puppies grow and as long as Embrace continues the good business we will most definitely stick with them!