We have had Embrace for our two golden retrievers. We appreciate the ease of communication with them, the fast response time, and they cover what they say they will cover. Period. There have been no glitches, and in every email communication we get from them about a claim, they make us feel that they care about our dog and also about the quality of the service they are providing. Two thumbs up! I hope they continue to deliver excellence service. Our dogs are family!