Okay, I'll be the guy in the middle here. As of today, there are 10 5-star and 13 1-star reviews. Mine will stand out in the middle. I have two dogs, a Bernese Mountain Dog and a Keeshond. Both are rescues. Belle (Bernese) is about 1 1/2 years old not and Shadow is 4. We have Belle since January 2014 and Shadow since May 2014. Both are covered with medical/prescription and both have wellness. I have not had ANY medical claims (and hope I never do). I have claimed the wellness for both have have received my annual allowable amount for both, paid quickly and with no issues. As far as I am concerned, so far, I am pleased. My vet also suggested them as one of the best AFTER I already had become an Embrace customer. My vet had asked if I had insurance. He'd been to a vet convention where they held a seminar hosted by many insurance companies. He thought Embrace was the best of the bunch he'd seen. That's all 3rd party information, take it how you wish.