About 3 days after our insurance kicked in our dog was shot (we still don't know by who). She needed not just an intestinal re-section but a blood transfusion as well. The vets who saved her life are heroes by all accounts, but I count Embrace as a savior as well. If it weren't for the incredible coverage we received we would not have been able to afford Lily's surgeries, and she would not be with us today. We have been incredibly impressed with the level of customer service. The communication has been top-notch and the returns are quick and painless. I endorse Embrace to everyone who will listen. Pet insurance is the best decision we've made for our pets, by far.