Embrace is the 3rd pet insurance plan I have tried. I work in the pet industry and talk to a lot of pet owners and I now recommend Embrace to everyone. After frustration with past insurance plans I stumbled on Embrace. They are fantastic! With 2 large breed dogs (aged 8 & 9), Embrace covers exactly what they say they will! No arguments, no having to prove the cost for my area, no getting a second estimate from another local vet (all things I've had to do in the past with other companies). They make it easy and totally worth the cost of the premium. I will never go anywhere else! THANK YOU EMBRACE!