We obtained Embrace pet insurance in 6/07 and are so, so grateful we did! They have paid promptly on his allergy problems and much more than we expected. But the amazing experience was when our 110# 'puppy' tore his ACL and had to have surgery. Our bill was $2950 and we were reimbursed $2600! Not only that, but they cover acupuncture and alternative health treatments. Between Embrace Pet Insurance and a progressive vet, Kodo is doing fantastic!!!! I tell everyone they not only NEED pet insurance, they need Embrace.