At the beginning of the year my husband and I decided to obtain pet insurance for our two Yorkies. I bank through USAA and they recommended Embrace and we could not be happier with the service. My yorkie suffered from acute pancreatitis this past month and was extremely sick for about week; requiring hospitalization at a Pet ER. It was stressful enough worrying if he would fully recover from his illness and knowing that he had Embrace made it easier on the family! The reimbursement turn around was extremely speedy and customer service was very supportive the entire experience. The most important thing is that Bruno did make a full recovery, but the experience could have been so much worse without the help of Embrace!