I have been with EMBRACE now for 5 years with two dogs, and have not been disappointed once. Claims are handled expeditiously, and there are no surprises. My last claim was a whopper. My black lab has elbow dysplasia and needed a canine unicompartmental elbow (CUE). The bill was slightly over $5000 and per my policy, 80% was covered. I regret having to make a claim as this is a serious operation for my dog.Thanks to EMBRACE, in 6 months I should have my hiking companion back.