I have been with Embrace for 3 years and have had excellent service. Embrace has saved me thousands of dollars and plenty of heartache, including being able to get my dog expensive cataract surgery which saved her eyes and improved her quality of life times 10. I recommend Embrace to all the pet owners I know. I did extensive research before choosing a company, and Embrace has lived up to and exceeded their claims and their reviews. Even if I never failed another claim for the rest of my dog's life, I would consider this a good and necessary purchase.