Embrace was recommended to me by my parents who has been using them for the past few years. I set up coverage for my 3 dogs about 4 months ago. One of my pit mixes stopped eating and was initially showing signs of abdominal pain along with intermittent vomiting. Over the course of 3 weeks we were back to the vet for various tests and treatments (including blood work, x-rays, and an ultrasound) until finally being referred to a surgeon for a possible foreign body obstruction. That ended up being the issue with the resulting surgery went extremely well. The claim submission process was so simple. Embrace covered all claims for all services and paid them out within the allotted time to do so. They even followed up to make sure we received payment timely. I am so happy to have gone with Embrace and strongly recommend getting coverage for your pets through them. Dealing with an accident/illness with your pet is stressful by itself, not having insurance to help offset the costs just adds to it. Knowing we were covered really helped us focus on our pet as opposed to the budget aspects.