I admit to being skeptical, but I have been pleasantly surprised with Embrace. No 'hidden' costs, prompt service both in email and on the 'phone. Pretty easy to understand. I would suggest a few more details on the claim forms - maybe on back side have examples of what Embrace expects Veterinarians to write on form. Also a reminder that on your first visit after signing up - to BRING the orthopedic waiver for vet to fill out - to save on a second trip.... Still overall, I am pleased.