I have a senior dog (approx. age 12 years)and, although her overall health was very good at the time, I decided to investigate pet insurance companies. Embrace gave me the best rates and coverage, so I signed up with them and a few months later my dog, Chelsea, started acting really lethargic. After tests, it was revealed that she had hypothyroidism and needed to be on medication for the rest of her life. The tests to determine this were expensive and my co-pay of $500 was applied. I have had a total of 3 claims for her, and EVERY time, there was something that was covered and reimbursable. I am so glad I made the choice to go with Embrace!