This is not my first experience with pet insurance, and have to say that my previous experiences almost kept me from trying it again. I'm glad that I did, and that I chose Embrace. Although I probably shouldn't be, I have been surprised every time they have covered expenses that I have submitted reimbursements on. And they have covered them all - from laser eye surgery for a tumor to emergency procedures for bloat. Thank you, Embrace. You've earned a life-long customer!!