I've heard a lot of good things about Embrace and it was recommended by my Newfoundland breeder who is a veterinarian. I love that Embrace does a medical review and lets you know up front what they consider to be preexisting condition(s) - there are no surprises. I'm also happy to learn about their Precertification policy. Happy with Embrace and I recommend them to everyone. I just wish they could provide illness coverage for my eight year old Newf, but he does have accident and Wellness coverage with Embrace - happy about that! I would rate them a 10 if they would insure my older Newf. Happy with recent claim for our 18 month old Newf Poppy - handled quickly!