I researched different insurance companies and found upon numerous reviews that Embrace was the best. I opened up a policy with them for my 4-legged baby, .Muzby. A few months later I found out he tore the ACL in his right knee. This was my first experience with Embrace. It went very smoothly. It is now 10 weeks later...and Muzby just tore his ACL in his left knee. He just underwent surgery yesterday...and I already have my information from Embrace stating that he is covered and all I will have to pay after it is all said and done is the 10% of the total bill since we already met our yearly deductible from the first surgery. Thank you Embrace....Muzby has had a rough start to his life as he is still only 2 years old....without your coverage...I don't know what I would do....as I love him. Thank You! PS....I told everyone at work about your company...I hope I bring you many more customers!!!