We got Embrace in 2009. Six months later, our 6-year old, Bagel, got unexpected and unexplained lymphoma. Embrace sorted out all the claims and made the process so easy to get reimbursed, which is what you need when everything is in trauma from a pet with a critical illnes or injury. During that period, Embrace employees working on the claims would ask about Bagel. When we lost her, they all sent sympathy e-mails. We have Embrace for two other dogs, and purchased the wellness adder. We cannot say enough about the great value, overall experience, and quick reimbursements. Top dog insurance - you need to choose Embrace.