I have been a member of Embrace for three years and I LOVE THEM! I absolutely am so grateful for them! Recently, my 4 1/2 year old English Mastiff Tesla, who is my child, was told she needed TPLO surgery on her left knee. So far the surgery, medication and other unexpected doctor visits have totaled $3,571. Thank goodness I have Embrace Insurance because I got reimburse for 80%. Most insurance companies will have a limit to what they will pay for and you have to pay for the remaining balance but Embrace will work with you to save as much money as possible. Obviously you choose your percentage when you sign up for Embrace and this was after my deductibles so everything was fully covered. I ended up saving $2,852 which I was relieved because I am a college student and was also told her right knee may be needing surgery after her left knee recovers. I also am pleased with how quickly the reimbursements came in. It took a total of ten days (including weekends), which I was so happy for! I never had doubts with Embrace (I researched insurance companies for 3 days straight) and NEVER had an issue. I am so pleased with them and tell so many people who love their fur child as much as I do, all about them. The only complaint I have is when I moved from NJ to CO, my monthly payments went up by $15, which I do not see how moving affects my dog Insurance? I am thinking about becoming an ambassador for Embrace since I already tell everyone I know to go with them! Thank you Embrace, you are a life saver!