I just adopted my greyhound in March, and a friend suggested I get Embrace insurance, because he'd had great experiences with it. So I did. Later, my dog ate a PetShoppe brand "durable" (ha ha!) toy's tail and squeaker in less than 2 minutes I was away to get a yogurt from the fridge and return. Weeks later the squeaker had apparently lodged in her intestine, was causing problems and had to be removed costing more than $4000--Embrace staff were so helpful and responsive at every step of the way, AND a vet at the emergency clinic says he thinks Embrace is the best pet insurance--reasonable and responsive.