We have used Embrace for several years now and have been very satisfied with them. They have several policy options to choose from and we chose the accident and illness coverage which we have needed several times including few major surgeries. The claim process has always been easy (I used to email the claim form but now I just ask the vet to fax it) and the communication works well. The premiums seem to go up every year but the older the dog gets the more health issues he has so it is nice to know you will be covered. When one of our dogs passed away Embrace sent us a hand written card which was really nice touch, we appreciated it a lot. During the years we have recommended Embrace to many of our friends and family.