I have had Embrace insurance for two years (pay about $350 a year for policy with a $300 deductible and covers 80% of pretty much any service). Last year, it saved me around $600 for random recurring Giardia infection... but this year, WOW! My dog got bloat with torsion (ruptured spleen, internal bleeding, etc) and required emergency surgery costing over $8,000. I'm so sad to say that I don't think I could have saved her life without this coverage. Thankfully, she got everything she needed and it cost me less than 2K (affordable). The process for filing my claims was EASY! Single form, attach invoices and send. Embrace kept me informed on their progress throughout (even sending email updates midstream) and when I was getting stressed about my pending credit card payment, they rushed my claim through! Everyone there is SO SO SO nice and responsive. No arguments, no drama, no delay. Love it! I really can't say enough about how the coverage and service level has impressed me.