This is an honest, people friendly company. Embrace clearly explains its benefits and limitations so there are no bad suprises. Correspondance from Embrace always makes me feel like I'm valued as a client, not just an anonymous number. If all isn't clear, their telephone help is great, and payments are very fair, though I also wish there were more far reaching Wellness benefits. My dog was taken in for yearly exam, shots etc. We promptly received exactly what was promised. I wish that I'd started out with Embrace and barring too many changes, I'll stick with them.