Let me first say that having this pet insurance is worth it. We get back alot of what we put in per pet - in wellness "dollars" (shots, Trifexis heartworm and flea meds etc.) We have two Welsh Corgis and since we got them as puppies over two years ago we have purchased Embrace Insurance. They are now going on three years old. Embrace has been great and they have never questioned a claim and have always paid out on time. Our male Corgi never got sick last year so they added a $50 credit to his deductible. Then a month or so ago he tore his ACL (major knee surgery.) He had the surgery Feb. 6th and Embrace has already sent me the check to reimburse (week of Feb 17). They are great and I highly recommend them.