Embrace is a terrific organization...the customer service folks are courteous and helpful, and the claims process is as easy as can be. They really helped me out when my poor pug Pixie got diagnosed with hip dysplasia...ended up getting over 50% of the money I spent on an office visit and x-rays (would've been more, but I had to meet the $200 deductible and 10% co-pay). Spent $670 on the office visit, got $345 back. Can't complain at all. I wouldn't hesitate to recommend Embrace!