We've had insurance through Embrace for a couple years now and are completely satisfied with the service they provide. I can't speak to the cost comparison with other companies as this is the first one we chose for our dogs. What I can say is that all claims are taken care of in a prompt manner. If there are any questions, we can get in contact with someone who will answer those questions with a smile on their face the whole time. Embrace even covers your other than average therapies. Our dog tore her tendon in her leg and we were able to get a brace for her along with stem cell injections and physical therapy. It was all covered! We also receive monthly newsletters with helpful safety and informative items in it. Lastly, I have received personal emails from the company following up on payments and asking about their level of service to us. I would highly recommend Embrace to any pet owner.