We had never purchased pet insurance before and so, we researched many companies. Embrace seemed to have everything we were looking-low cost and good coverage if we needed it. Didn't really think we would be needing it but our weimaraner, Willy, proved us wrong. He is a joy and a clutz.He managed to cut his leg elegantly while walking in the basement, bang into the wall at 'doggy daycare' and get a bruise on his side that was the size of his head. Embrace has been great with the claims. The claims process is efficient and easy, and they respond to questions right away. We will be coninuing our coverage for Willy. We've also started agility classes (let's all hope it helps his coordination).