We have had several different pet insurance companies over the years, and by far Embrace is the best. They really cover what they say they will. They don't try to weasel out of coverage. Our boxer was diagnosed with Lymphoma when she was nearly 7 years old. They have been there every step of the way - diagnostic testing, treatment, medication for side effects and when we renewed our policy the rate didn't go up a huge amount as I feared it would (like with car insurance) but stayed pretty much the same AND they continued to cover all of her treatment. She has since relapsed and is getting even more treatment - and still they are there to support us through our ordeal. The costumer service is fantastic, and the coverage is great. We could not have imagined going through this without them.