Have been using Embrace for about 8 years and they never disappoint. If my insurance covered me like Embrace covers my furry friends - I would be rich! I cannot say enough about these folks - they are always there. When one of my friends crosses the bridge, I get a beautiful card signed by the staff. I often get personal emails checking up on one of them. You cannot get this kind of service and caring from a mega-company listed on the stock exchange.