Embrace has been fantastic company, and exactly what we read and anticipated after doing our research. Looked at over a half dozen pet insurance companies and found embrace to clearly be the best based on price, policy flexibility, cap limits, overall coverage, and customer reviews. Unfortunately one of our cats developed cancer, and projected costs were in 8-12k range, with no guarantee the treatment would be successful, we would not have been able to afford the treatment without our policy. It's likely we would have had the very difficult decision on wether to put Dublin down or let the cancer do it. But we were able to go with the treatment, and by all accounts it was 100% successful, and he is back to his old self. Everyone we have dealt with has been professional, empathetic, and very supportive. Initial claim took a bit long, but the next ones were all under two weeks. We would highly recommend investing in an Embrace policy for your pet. It will provide great peace of mind...and if it unfortunately comes to it, grant you the luxury not to have to make a very very difficult decision.