I never was sure this would provide a good value, but in January of this year, I signed 3 of my pets up for insurance. Shortly thereafter, my 9 year old Weimar was diagnosed with a chest tumor and has required several procedures to drain fluid from the sac around his heart. After reviewing the vets' notes, Embrace covered his expenses, and quickly. It's so easy to upload claims, and payment is prompt. I am very pleased!