After thoroughly researching all the pet insurance companies out there I'm glad I settled with Embrace. My dog had exploratory surgery a few months ago that cost me $3700. Not only was I reimbursed a good amount of that bill($2800) but they even emailed me weeks after his surgery to see how he was doing. This is good insurance that will save you money, and a company that has great customer service. I love that once you submit a claim, you get emails periodically letting you know they are working on it, or if its next in line. Please do your pets a favor and get them Embrace!