OMG !!! I don't know what we would have done without Embrace. We seem to be having a run on Orthopedic issues. First Mikey gets a broken leg when playing at day care. Poor baby. Now Roary our 3 year old Mastiff injured then tore his acurciate ligament and finally needed, physical therapy, then finally TPLO surgery. Embrace and their wonderfully friendly and supportive were with us all the way. We are talking claims here well over $ 8,000. So is so is Embrace Pet Ins. worth it ......dah... That would be a resounding YES! I tell everyone I meet who has a dog or cat about Embrace, I think some people actually think I work for Embrace. I don't work for Embrace but they do work for me and I so appreciate it.