I have always been hesitant about getting pet (aka kid) insurance. I have 6 pekingese...3 whites and 3 partis. They are known for some health issues...backs, eyes, etc. But I broke down and got Embrace..upon the recommendation of my vet. They have been wonderful. I have submitted numerous claims for my pekes (and also have 2 Persians). Nothing has been a problem. Every claim is explained, the reimbursement is timely and never disputed...I feel like I am dealing with a member of my family. Highly recommend their coverage!!!!!!!!!!