My husband and I are so happy we made the decision to purchase Embrace Pet Insurance for our Labrador Retriever. Molly is now 2 1/2 years old and has had her insurance since she was 12 weeks old. We have used it several times with two of the claims being a true test. Molly is a very active strong girl and as a result from playing hard and coming down on her rear knee(s the wrong way, she required TPLO surgery in November 2016 and then she did the other knee in June of 2017. So we did give Embrace the true test. They were wonderful and Molly now has two very strong knees. Hopefully, Embrace will not be seeing claims from Molly for a long time but if she needs them, I am 100% sure they will be there for her. Thank you Embrace for doing what you said you would do.