My dog Angus is my first child. Literally, he opened up my heart in ways that I didnt know could happen. Having Embrace pet insurance has made taking care of and protecting Angus as brainless and as instinctual as he takes care of and protects me. Being that he is an American Staffordshire Terrier, that is saying a lot. It also comes with a unique set of high maintenance and expensive medical concerns. Angus has had 2 TPLOs, 9 mass cell tumors removed, and a near death bout of the doggie flu that came with an 8 days stay at the hospital. Embrace, true to their word never waivered and always paid what I had calculated they should pay based on the benefits we had purchased. It is nice to know that someone thought of having a pet insurance that pays off of the vet's bill and then actually does it. I feel very strongly about recommending them to all pet owners.