We have both our dogs covered with Embrace, while they have always been generally healthy in the past year they both had odd illnesses pop up. Earlier this year, our lab had a bad cough and was breathing heavily with what turned out to be allergies. Just recently, our 9 year old Doberman collapsed and is having heart issues. Not only did Embrace reimburse us for the expensive tests that had to be done, but their claims portal was so clear and up to date along the way, it made the entire process so much more reassuring for us in a time when we have been very stressed out about their health. After hearing horror stories from friends about their experiences with pet health insurance, I feel so incredibly fortunate that the research I did paid off and Embrace has been nothing short of amazing.