I've had Embrace for 5 years now. One of my dachshunds, who is only 5 years old, just had her second major surgery due to disc disease. This company is amazing. The surgery cost 3, 800.31. I received a check for 3,013.05 ten days later. They are so prompt and friendly. Putting in a claim is supper easy too. No hassles whatsoever. When my dog had her first surgery two years ago, she needed physical therapy and Embrace even covered that. I couldn't be happier. They are truly the best company out there!