I have embrace for large medical bills, not everyday things and I have had to use it twice in Elli's 8+ years and both times they were there for us. Paid out the claims quickly and covered exactly what they said they would. It gives me such peace knowing when I go to the vet I don't have to make any decisions about cost as I've got Embrace. Great program. I studied several for quite a few months when Elli was young and went with Embrace and could not be happier. I can't tell you the number of pet owners I have told about Embrace.
Greater Swiss Mountain Dog