I can't even begin to express how thrilled I am with Embrace. When I got my puppy a several months later he was diagonsised with Severe Bilateral Hip Dysplasia. Thankfully I made the right choice for insurance and had him covered with Embrace the day we got him. Embrace has paid for surgery, paid for RX, paid for rehab, x-rays, consultations, etc. I do not have one negative thing to say. Honestly I could not ask for a better provider. Claims are paid promptly, customer service is amazing. I could not be happier with this company. A TRUE PROVIDER of PET INSURANCE from PET LOVING PEOPLE! Embrace -- is a WIN, WIN!