I have recommend Embrace to my friend that also has had a very hard time with figuring out the right insurance for her dog. I told her that Embrace was the way to go! They are very clear on the benefits and I was surprise on how easy it is to use. I just fill out a very simple claim form and get an e-mail saying what is covered and a check in the mail. I plan to keep spreading the news and will tell my vet also to recommend Embrace as the way to go. So easy and hassle free to work with. Thanks Embrace its a pure pleasure to have my Lefty insured by you. Worth it to not to be afraid to go to the Vet.