I love this company! They pay promptly, reimbursements are exactly what they promise and their customer service is absolutely phenomenal. My little 5-year-old Sheltie, Milli, limped off the agility field a few months ago and I was devastated to learn that she had elbow dysplasia in both front legs and some signs of back leg remodeling that were causing pain. Rehab vet recommended underwater treadmill, cold laser, acupuncture and chiropractic, all of which are covered under my Embrace policy. I have insured my dogs with Embrace for more than seven years now and though my premiums have doubled over that time, the peace of mind is worth every penny. No dog gets through life without some mishaps. Thank you, Embrace, for being a bright light not only in the dog world, but in the business world!