After reviewing many policies and talking with reps from different companies, I firmly decided on Embrace pet insurance for my dogs and cat. I am so glad I did as it probably was not more than 2 weeks later that I had a very frightening experience with one of my dogs ingesting an unknown substance. One trip to the Emergency Vet Hospital and going over possible costs of treatment, I had so much less financial anxiety because I knew that I had the experience of Embrace with their super friendly and helpful people behind me and I did not have to go it alone. You never know what can happen in a day and thanks to Embrace, my worry level has not vanished but has been greatly tempered. I have used one other insurance company in the past and it was horrible with nothing ever being covered. Embrace keeps you informed and turn-around times are very prompt. In this day and age this is RARE and they have been wonderful. I have told all of my friends as well as the Vet that I take my pets to that this company is very very good.