My new pup developed a serious skin condition within days after coming home. I had read about Embrace, but neglected to sign up right away. Big mistake. Multiple trips to vet, medication and other treatment -- all expensive -- would have been covered. Have since signed up and been pleased with service. Only two drawbacks: I found providing initial background information to be a bit of a hassle. And I didn't realize, initially, that claims needed to be submitted within 60 days of treatment. By the time i did figure that out, it was too late to submit some significant expenses. Advice to newcomers: read your policy carefully AS SOON AS YOU RECEIVE IT.