My golden retriever (only 3 years old) had to have cranial cruciate ligament surgery. This is the first time I have had insurance on my pets, and would do again without hesitating. I did not have insurance on my previous Golden and ended up spending over $3,000 out of pocket for surgery. The embrace staff were awesome. Great customer service. They answered all my questions and processed my claims very timely. I have nothing negative to say.I have recommended this insurance to several of my friends and especially to new pet owners. Great job Embrace, you should be very proud of your staff.