Both my dogs have Embrace coverage. Embrace had great reviews when they first signed on, and all have proved to be true. Diesel has been lucky enough to not have any serious physical problems, just allergies. But, Maverick has had a hip replacement and knee surgery. Embrace has been great in helping me understand the coverage they have and very easy to talk to. Embrace also has a very simple process for submitting, they request an itemized list from the vet or doctor, via email or fax. They send an email once the vet/doctor has submitted the breakdown, which helps with knowing the vet is on top of things too. Thank you for your help over these past few years!