My 40 lb lab-mix Pepper has been under Embrace insurance ever since she was 4 months old. This past month showed me just how much it was worth it. Just a few days shy of her 3rd birthday, she had been attacked by a giant American bulldog and needed to get $886 worth of vet care after the x-rays, anesthesia, medication and stitches. When I sent the claim, I personally was not expecting more than half the amount (at best) for the reimbursement. Embrace sent me $745 back! I ended up paying only about $140 in total! Embrace has always been good to us in their wellness plan, but their care and service during this time has shown that us that they truly care for us during the bad times as well as the good. Count me in as a loyal client for life!