Embrace is the first pet insurance I've purchased. I looked into many pet insurance companies and thought Embrace was by far the best coverage for the least amount of cost. My husband and I purchased two puppies from a very poor breader, which we learned very quickly. My girl, Willow, had to have surgery on both her knees after just a few months of joining our family (each knee surgery cost between $3,700 - $4,700). She had one knee repaired and Embrace paid the entire invoice after our $500 deductible. About two months later she had her other knee repaired and Embrace paid the entire amount; nothing out of pocket for us. When our renewal came around, I thought the premium would go up but it actually went down. Amazing pet coverage at an amazing price. Now my boy, Dutch, is experiencing the same issue and will need surgery on his right knee; thank goodness I purchased Embrace because I know I'm covered. Try Embrace, there are many options to choose from, and I know anyone who has this coverage will be very pleased. Thank you Embrace.