We have 4 dogs insured by Embrace. Simply put, the company is outstanding. Easy and very quick claims response, great communication (they email when claim received from vet and again to tell us claim is covered), claims are ok'ed per the policy....never any issues, the people who work there are very pleasant, helpful and knowledgeable (they even followed up with vet to remind them to send additional info on this dog's history and then claim ok'ed for skin infection; we did no work! ....we have a high deductible and high annual coverage which makes it very affordable. We have $1,000 deductible but $15,000 policy for peace of mind for catastrophic events. Have not hit $1,000 deductible yet for any dog, but so far they have inspired confidence that we are well covered and claims will be paid when we do exceed deductible. Peace of mind is very affordable! Check it out!