We're very happy to have Embrace pet insurance. Our 4 year old cat Kato ruptured his ACL, and both his exam and surgery were covered quickly and fairly at 80% (our chosen rate). There were no hidden exclusions or surprises. We were very happy with the coverage and the customer service. I only gave 8 of 10 because Kato also had a dental surgery, and we were disappointed to learn that the insurance does not cover dental. (Yes, we should have checked more thoroughly!) They have a special dental program but it would cost $300, and cover $400 worth of expenses. Overall we are very happy with Embrace and have recommended them to friends.