When we purchased Annie, a Golden Retriever puppy about 3 years ago, we decided to take out insurance as well since Goldens were infamous for hip displacia. We weren't even sure we could get insurance for displacia but Embrace specifically provided coverage. Since then we've had a number of claims including a torn ACL requiring surgery which Embrace has very satisfactorily covered without question. Their responders have been wonderful, friendly, helpful and solicitous of Annie's condition when she was going through surgery and recovery. We have recommended Embrace to everyone who would listen including the surgeon who operated on Annie's torn ACL (he didn't have any Embrace brochures in his waiting room - now he does.) Thank you Embrace.