I cannot express how glad that we switched pet insurance companies a couple years ago when we adopted a second German Shepherd. While he has been for the most part, very healthy, our older GSD was diagnosed with Cancer last summer. We could not have gotten him the chemo treatments if we didn't have Embrace. No exclusions, just our deductible and percentage loss settlement. Our previous company had oodles and oodles of exclusions. Embrace lives in the real world. Having the insurance isn't cheap but I'll never go without again for my pets.