I have both of my dogs insured through Embrace. I like the way that you are able to customize the policies to fit you situation and that they reimburse on the actual cost of the visit, not through a set schedule of procedures. I have not had to use the policy for either dog until recently when my dog developed a UTI and incontinence. I was able to get her proper testing, treatment and follow-up without worrying so much about the cost. Once the deductible was met for the year (there is no deductible per incident), I received a check for their percentage within a couple of weeks.