I had Embrace for my previous Golden who died much too young from cancer. Embrace was there as we went through chemo treatments and check-ups and never once rejected a claim. Unfortunately she didn't make it but not having to fight with the insurance company was a much needed blessing in our time of sorrow.But because of the love of our previous golden, we did get another one and I did not think twice about which insurance company I would get. Embrace wins hands down, for its price, for its coverage and for its personal e-mails. I even got a sympathy card from them. Their coverage is easy to understand without all these hidden codes of what is covered and what is not. Check them out, you will be amazed. Thank you, Embrace for being there.