I have had Embraced Pet Insurance since my Maxx was 8 weeks old. I have been totally satisfied with Embraced and would recommend Embraced to anyone who is considering becoming a pet owner. Never did I imagine, I would be faced with such heartbreaking news that my Maxx had a torn ACL, but thats the situation we faced. After much research my husband and I decided to do the TPLO surgery. We were quoted 3000 dollars. Although, there was no doubt of whether Maxx would get the surgery done we weren't sure if the insurance would reimburse, due to reading many horror stories from other people who dealt with other insurance companies, in regards to reimbursement . However, I am pleased to say we didn't have a horrible experience with Embraced. Embraced processed the claim and reimbursed us 80% of the cost. A major medical condition can strike at anytime and I am glad we chose Embraced as our Pet insurance to help minimize a major expense.