When I got my saint bernards I knew I had to have pet insurance for them. I looked around, and asked around, and Embrace seemed to be the way to go. I am so happy I did, because one of them I found out has hip dysplasia and she is 10 months old. She also has returning urinary infections. Embrace paid the claims within 3-4 days. The customer service is very friendly and helpful. All I have to say is Thank you Embrace, You are the best!!