Our golden, Duke, has had a very healthy life. He recently was diagnosed with a mast cell tumor. I purchased health insurance for him when he was little because I never wanted to have to decide between the best care or his life in a serious situation. Embrace covered all his costs and we were responsible for our portion + his deductible, saving us approximately $3,500. It was such a relief! I put the claims in and they were approved and paid within 3 weeks of service. We recommend Embrace to all our family and friends, most of whom have switched their pet insurance or purchased it for the first time because of the good experience we have had! Thank you!