Embrace doesn't just give you the promises - they follow through. I had my policy with Embrace for only 3 months when I found out my Labrador Retriever puppy had hip dysplasia in both his hips. They covered the appropriate expenses right of the bat. These were very expensive surgeries and Embrace took a lot of the financial worries away. Embrace is a life saver!! Claims were handled quickly with courteous representatives. I can't recommend them high enough.