Embrace may be a bit costly up,front but is ABSOLUTELY WORTH IT!!! They process claims quickly, are fair, follow their guidelines and the customer service is excellent.
If you have a breed prone to issues, insure them with Embrace ASAP. I have had 2 Yorkies with knee and hip problems and it has been worth every penny. Not to mention, the insurance has allowed me to,get help,for,my dear ones when I did not have enough savings to cover the costs.