my kitten (sneakers) is a beautiful tuxedo but had a bit of a rough beginning. I found her in the engine of a car in a parking lot...only 4 weeks old and covered in grease and fleas with a burn on her head. the vet said she seemed healthy enough, but who knew what would show up later. so we thought the embrace insurance was a good idea. well, as it turns out, sneakers is very healthy, but a bit of a scoundrel and has had 1 episode of near choking on her collar and one episode of eating something that made her very sick! embrace has been the best! no hassle at all even with 2 claims in very short order! we will never cancel. sneakers loves embrace.