I am so shocked to read the varying reviews here on Yelp. I think Embrace is awesome. Maybe those of you who put on a negative review didn't choose the right policy??? We pay about $795/year I think for a policy that gets us 80% coverage for sick visits and medication. This is after a $200 deductible. My little Jewel (a Cavalier King Charles) was diagnosed with mennengitis and GME a couple of months ago. Between x-rays, a spinal tap, blood work, and lots of medication vet bills have amounted to over $7K and will continue since Jewel's condition is chronic. We will continue to follow the prescription instructions and suggested testing to keep her quality of life as best as we can. Without Embrace we would be really challenged and tapped. By the way, the neuro vet that we see at Massachusetts Vet Referral Hospital also told me he thought Embrace was one of the better pet insurance companies. I have to say, they are fast with reimbursements and communication by e-mail is outstanding. You can also check on the status of your claims online. IDK - maybe they have improved over time. I would highly recommend Embrace!!