I recently switched to Embrace for my 5 year old Lab, and not soon after our waiting period he started problems that had him hospitalized for three days. The bills were outrageous!!! In the past I would have never recouped even a 1/3 of what I paid out, but Embrace was GREAT! They paid the claim almost in full without delay and saved my family's holiday season. I have told all of my family and friends about them and will continue to sing their praise.