Our three dogs have been insured with Embrace since November 2008. We had several pre-existing conditions which we fully disclosed. We have filed several claims, both for illness and under the wellness option. Embrace handled our claims exactly as advertised in a transparent and timely manner and in accordance with the policy. Embrace also responds promptly to my emails. As with any insurance policy, I suggest reading the policy completely in order to fully understand what is covered and what is not. We've recommended Embrace to a number of people.