I am new to the world of pet insurance, having resisted for the first few years of my Shih Tzu/Pomeranian's (That's Shiranian, thank you!) life. But I am so glad I made the investment in my pet's health. Just after purchasing, my poor pooch experienced a bout of gastroenteritus. Luckily, after the usual tests, nothing unusual appeared - no parasites, etc. Then a few months later, again she experienced similar symptoms and a bigger vet bill. I filed my claims diligently, and while there was some issues getting the vet practice to fax over her entire file, Embrace stayed on it. Then just a few weeks ago, my baby had her worst bout yet...vomiting up coagulated blood! I rushed her to the vet for emergency care, amounting to xrays, bloodwork, and several medicines to soothe her defiant gut. Colitis due to diet, and a $650+ bill! Despite the annoyance of a vague diagnosis (yet relieved she is fundamentally healthy dog), I am sure glad that after meeting my deductible with this visit, and paying my 20% copay, Embrace, true to their word, reimbursed me $384! And thank goodness too, as the holidays are upon us. I am pleased with the personal, professional service they give, and feel much more confident knowing that should anything truly disastrous occur (which it WON"T!!), they will be there to assist.