Having Embrace was the Best thing I ever did! Quite frankly if it wasn't for Embrace I would probably have had to give my cat away. I don't usually take the time to review stuff but I feel like Embrace really deserves it and if someone else can benefit from my good experience and also use Embrace that would be a good thing. My story is kind of long so I'll try to keep it short- but I've had cats my whole life and none have ever had major problems. Vet visits were so few that they're was never an issue. But then a little baby stray showed up in our yard and we fell in love with him and decided to keep him. Well, that was the beginning of the horror story for my wallet. He arrived a little sickly with some respiratory issues but nothing majorly serious. Well, one thing led to another and he pretty much took every vet appointment we never had before and had them all himself! It was getting to the point where I was going to have to think about giving him away to someone who could afford him. I didn't think of insurance because I always thought crazy pet people did that and/or it would be too expensive. Well, boy was I wrong! It was the best thing to do!! I researched a whole bunch, had my mind set on another one, when one of the girls at my vets office recommended I check out Embrace before I make any final decisions. I'm so glad I did. They are literally the only reason why I've been able to keep my kitty. They were the perfect fit for us, based on what we needed and the coverage they provided at a very reasonable cost. I've had them for 1 year already and the customer service has not only been incredible, everyone is so nice, but all my claims have been approved! ...and I've needed to turn in quite a few claims. They've been approved quickly and I have received the checks in a timely manner. It's a relief to see the checks because I know that with Embrace I've been able to give my kitty the best possible care because I've never had to say no because I couldn't afford it because I know I will get the majority of his vet visit reimbursed. I highly recommend them to anyone and everyone! My kitty's health is great right now and I know that if (or should I say when) he needs to go back Embrace will be there to help.