I can not express how great Embrace has been. We were skeptical when it came to pet insurance and many of our friends and family made fun of us for having it but we are so glad we decided to get pet insurance and even happier with our decision to go with Embrace. Our 2 year old pug, Nellie, has had a few minor stomach & skin issues over the last couple years but most recently needed surgery on both knees which also required physical therapy. We've had such a great response from Embrace on all of her issues! Her covered claims (so far mostly all of her problems, including the surgery & PT) were always resolved within a timely manner and our reimbursement checks were always delivered ahead of the scheduled time. We are very happy with the coverage and services Embrace has provided and so glad we chose Embrace!