Once again Embrace has come through for me. My poor 6 year old lab Sammy tore his left ACL last May and his right ACL a few weeks ago. Both required major surgery, which is incredibly stressful. But the Embrace claims process is so easy, and the customer service representatives are wonderful. I do not know how Sammy and I would have made it without Embrace. I recommend Embrace to all my pet-owner friends and family.