I cannot speak highly enough of Embrace. I switched from another pet insurance company after doing a little more research and found that Embrace not only gave me the most for my money but has been wonderful to work for. I love the annual deduction, that applies to all claims, not just per incident. Their response to claims have been very quick and they provide written responses from their team with itemized breakdowns of what was covered. My 3 year old Golden got into some chocolate over the Holiday Season and Embrace helped me not have to worry about the financial issues of going through that hard time. Again, I can't speak highly enough of this company and their professionalism, ease of use, and pricing.