I have been with Embrace for 4 years now and I am very happy with them. They are sweet, kind, caring and most importantly pay what I expect them to pay per the policy. I have had a few mis-communications with them, but they have gone above and beyond to make things right. That means a lot to me in this age where most companies just do not care. Embrace seems to care! They have always been more than fair with us. The only thing I have ever had a problem with was the reduction to $2500 once a pet is diagnosed. I almost changed to another company because of it since I have English Mastiffs & could very easily surpass $2500 for a diagnosis, but they are changing that policy next year so I decided to wait it out since I love Embrace so much. I have and will continue to recommend Embrace to anyone who is looking for good pet insurance. If you want great pet insurance for your pets... Embrace is it.