We have had Embrace Insurance since our Leonberger was a puppy, he is now 4 yrs. old.They are an excellent company to deal with .Our dog was having some lameness in his front leg that needed some extensive testing x-rays,ultrasound and pain meds, which is quite expensive considering he is 150 lb. dog.Processing a claim with them is quick and easy,with a very fast turn around time. I can't say enough good things about them. A must have for any pet owner.