I have written many other reviews so will just now say that we are grateful everyday that there is a great insurance option like Embrace for our dogs.We got insurance for our 4 almost 3 years ago and Embrace has been with us through so many medical situations including 3 cancer surgeries. They cover exactly what they say they will. They have (as promised) allowed us to decide what specialist we feel good about using (Board Certified surgeon, oncologist and internist) and what procedures, in conjunction with the vets, will help our dogs have the best possible outcome. The customer service team is AWESOME. Pleasant, friendly and very good at what they do. You can choose a higher deductible to make the monthly premium more affordable. Vet bills can be HUGE and a $1,000 deductible to go on say a credit card if needed so you can save your beloved family member is an easy choice. Direct deposit reimbursement just another great option. Just a great company.