I have had Embrace coverage for my dog Abbey for almost a year, and have only the highest regard for this company. Embrace has been a real lifesaver, make that "legsaver" for us. In late January, Abbey started limping on her front leg. After two regular vets, a neurologist, an orthopedist, and a radiologist, Abbey was diagnosed with bone chips in both front knees. She recently underwent bilateral arthroscopic knee surgery! So far, her bills have exceeded $4,000, something I could not have afforded without Embrace. The turnaround time on claims is remarkably consistent and fast. I asked for an expedited reimbursement for her surgery because of the large dollar amount I was out of pocket, and Embrace delivered. Thank you, thank you. I highly recommend Embrace and getting insurance for your furry kid(s). Abbey is a mix, so I never expected this problem. At 6 years of age, Abbey had never had a "sick day" in her life. You never know what will happen - and Embrace is there for you when the unexpected happens. I've used other companies before, and Embrace offers the best coverage and customer service by far.