My husband and are proudly owned by a 20 month old St.Bernard, Sadie Mae.We do not have children, so she is our baby girl.Right before Sadie chose us,I had retired, so I began researching all pet insurance companies. We chose Embrace and we are thrilled with our decision. A few months ago,Sadie was diagnosed with severe hip dysplasia in both hips. She is covered under her Embrace policy and they have paid all claims. Tomorrow, Sadie is going to Cornell University to receive a total hip replacement on one side.If we did not have Embrace,we would have to empty our savings account. We are scared and nervous about Sadie having major surgery and even more concerned about getting her through the 3 month recovery period, but at least we do not have to worry about where the money is coming from. The estimate is 6 to 8 thousand dollars. We recommend Embrace to all of our friends. We tell them they do not want to deny their pets medical care because of the expense. We are also owned by Stella Rose, a Golden Retriever, and Brady Lee, a Shih-Tzu, who are both also covered with Embrace.