I am extremely happy with Embrace! Coverage is great and also the communication with the staff. They'll let you know about the progress of the claim promptly. My pug had bad allergies (turns out to plastic)and because a mistake made by my vet office my claim was denied, but after I contacted the vet office and the mistake was straightened out, Embrace re opened the case and covered most of the cost. I have recommended them to other pet owners at my vet waiting room!