I signed up for Embrace based on the reviews here as primary insurance for one dog and secondary for another. The rates were extremely reasonable (almost) half due to their non-breed pricing. The dog with the dual coverage got sick with Embrace as the secondary coverage and they have kept their word as per their policy and supplemented coverage. It did take a bit of nudging to the CEO to move things along, but once I did, everything has gone smoothly. I still especially like their policy of reviewing your pet's records in the first 30 days to ID all preexisting conditions on the record. This way you don't have to worry later about your insurance company coming up with something after the fact.