We purchased our first pet ins. policy on 3 dogs, 2/12. Initially, I was somewhat sceptical which was reinforced by the denial of an ear infection claim on one of our Labs w/pre-existing allergies, even though she didn't have a history of ear infections and her allergies are extremely well controlled w/Atopicia. BUT, when our other Lab got a small bowel obstruction and needed emergency surgery ($4,000), Embrace performed at a 10 out of 10 rating. The claims were processed in a very timely manner and the customer service at Embrace has been stellar. You always speak to a pleasant and well informed person w/out waiting. The Lab that had the obstruction surgery in Nov/12 is currently in surgery for a TPLO (knee repair). I submitted pre-certification info and heard from Embrace the same day approving the estimated charges($3,200). Embrace has been worth every penny we paid for the policy and more, because peace of mind, knowing that we can do the very best for our furry family members is priceless.