Our beloved Chocolate Lab was only 3-1/2 years old when she was diagnosed with a cancerous tumor inside her mouth. We moved on this as quickly as possible and so did Embrace. Every time I sent in a new estimate, they jumped right on it and got us the pre-certification coverage immediately. They were prompt to pay and very courteous and helpful. I highly recommend Embrace. I shopped other pet insurance coverages when out dog was 8 weeks old. Embrace "looked" to be the best. I would never ever have another pet without this coverage. Thank you Embrace!