I have had Embrace for about 6 months now, ever since I adopted by wonderful Boxer boy. We had a rough go for a few months, trying to determine the cause of his vomiting and very runny stools. After too many late night emergency room visits, internal medicine work-up, blood work, x-rays, ultrasounds, and an endoscopy, we finally found out he has Inflammatory Bowel Disease that requires a special diet and a daily steroid dose. Embrace has helped us all along and has worked with us to get him the best care possible. I stressed a lot in the beginning, not being sure what would be covered under my policy but Embrace has been wonderful and everyone I have interacted with over email or the phone has been caring and professional. I rave about Embrace to every pet parent I meet and would recommend it to anyone looking to choose Pet insurance. It has been the best investment I have made so far in providing the best for my wonderful boxer boy and the best way to go is to get the most benefits possible and the highest reimbursement rate when you buy the policy so that everything that happens after the policy takes into effect is covered and you don't have to have a medical review if you want to increase your benefits and/or reimbursement rate. It is very much worth it in the log run!