This company is such a rip-off! Please stay away. I got this insurance knowing that at one point my puppy would need to be neutered. I paid every monthly payment on time, gladly. Then my puppy has his procedure and already at 7 months, apparently he has reached his max coverage and his neutering procedure is declined! Screw you, Embrace! Embrace this!!!! I gotta say, the turnaround time to decline the claim was amazing! I will be spreading this in the same amount of time, on every social network possible (Facebook, 500 friends! Tweeter, 1500 followers, LinkedIn, 600 connections)!