I am very happy with Embrace. I never knew about pet insurance until after my brother had problems with his two dogs and ended up spending thousands of dollars. After everything he went through, he recommended I get embrace in case I ever needed it. My dog is only 4 and was completely healthy. Several months after purchasing the insurance she started collapsing. I thought it was seizures and took her to the vet, only to discover that she'd developed a heart problem. Thousands of dollars later, I am very happy with embrace and recommend them to everyone. I feel like I can take care of my dog and give her the medical attention she deserves. One thing I would recommend though is getting the medical history review right when the insurance is purchased. I feel like this would speed up the first claim, as it takes awhile for them to get records and review everything after the first claim is submitted.