Don't remember how I heard of Embrace, but the little research I did convinced me to trust them. My instincts were spot on...they are wonderful!! We were only two (2) payments into our new coverage when our baby boy was stricken with severe gastrointestinal problems. He was very ill and we were a mess! Very scary and very costly. I can't say enough about the compassion and professionalism we received. They treated us as if we had been paying premiums for years and this was our first claim. Well...we will be customers for the rest of Renzo's life..we pray many, many years. Don't be caught without insurance. Worth every cent! Thank you Embrace!