We got Embrace pet insurance three years ago when we got Bella, our boxer baby. I did a lot of research on other pet insurances and actually bought an insurance policy from another company to start with. We quickly found out that the other company was not what they claimed to be and was going to charge a $200 deductible per incident or illness, when the website just says a $200 deductible (which I thought meant for the whole year), so I felt like they tricked us. Then my vet recommended Embrace and we have been with them ever since. We have never had any issues with Embrace. They have covered everything, no questions asked for our Bella, and we have had A LOT of problems (bilateral ACL's torn, cherry eyes, the mange, kennel cough, giardia, skin allergies, etc.) We love Embrace and I honestly don't know how we would have made it without them. We also feel very much at ease knowing that if something catastrophic happens, Embrace will be there for us. My only regret is that we did not get the prescription, dental, or wellness plan. Next time we will be fully covered for everything. We highly recommend Embrace and tell everyone we know about them.