I have an active Lab pup who, at least for now, has no reliable "pause" or "stop" button. As a result, he frequently gets scrapes and scratches, some of which result in infections. My claims to Embrace are handled quickly and accurately -- their customer service is top notch! Just wish I had been savvy enough to insure him the day I brought him home, instead of waiting. Before I signed up, he developed a skin condition, which required intensive treatment and which then was categorized as pre-existing. I'm happy to refer all my friends to Embrace. I think they're doing a super job, and I'm glad I signed on!