We adopted Atz Lee, a shepherd/lab mix, 6/12/13. I got his on insurance on 6/14. We had to use it that week for Kennel cough. Then in Dec. he had to have surgery on one of his hips. Embrace made it very easy to send in our claims and answered all my questions. Everyone is pleasant, reimbursement comes quickly and they always follow up. We also purchased the well care coverage which has helped with vaccines and his upcoming neutering. Thank you Embrace Team!