I've had very positive experiences with Embrace. I realized the need for pet insurance about 5 years ago when my dog started getting nose bleeds and the vet recommended a $1900 MRI to diagnose what turned out to be a nasal tumor. Never again did I want to make a life-or-death decision concerning my 4-legged babies based on how much money I had in my savings account. I knew the cost of the insurance premium would eventually pay for itself, and it did when my dog tore her ACL and needed major surgery. The pre-certification confirmed Embrace's claim... "everything is covered" except the RX (and that was by choice). I can't imagine having a dog in my family without pet insurance now... it's a real anxiety reducer!