I did a tremendous amount of research on pet insurance before deciding on Embrace. I have not been disappointed with my choice. I didn't have insurance with my previous dogs and it cost me a small fortune when cancer and spinal problems struck. I learned my lesson with my current dog. Embrace has covered everything from nasal surgery (I have a brachycephalic breed) to dermatological conditions to emergency vet visits. They are very upfront about what they will and will not cover. As long as that is understood, there isn't an issue with getting a claim approved. And starting a claim is extremely easy, which I also appreciate. I have told many people about Embrace and will continue to do so.