Embrace has been phenomenal during my dog's time of need. I had purchased a pet insurance policy years ago because I was worried that my dog may someday get hit by a car. I never would have imagined that I would need it for Inter-vertebral Disc Disease which left him paralyzed in his hind legs one morning. Without Embrace I would have been unable to afford the emergency surgery he needed. The best part has been that prior to the accident they were able to customize a plan to work with my budget, and that they do NOT set a limit "per incident". The surgery alone cost $5,550 and my dog will still need additional therapy and rehab to walk again. Embrace reimbursed me $4,200 within 10-14 days after filing my claim. The customer service has been outstanding and I have nothing but accolades for Embrace.