I have been with Embrace for more than 3 years and I get more enthused about them all the time. I insure two dogs, one with severe neurological issues and another who was healthy as a horse and then developed an almost terminal condition unexpectedly. I think we have now spent around $35,000 dollars on the two of them and 90% was completely covered by Embrace. No arguments, no hassles, they simply do what they've agreed to do and with kindness as well. I find the Wellness plan to be more than worthwhile too- if you provide even the most basic vaccinations and flea preventative, you will more than make your investment back. I will always use Embrace and I encourage every person who adopts a dog (or cat) to get this. It's the best investment you could make and it insures your family member can get the health care they need. Bravo Embrace!!!!