I'm shocked to see that there aren't all five star reviews on this company. This is the first time I've ever purchased pet insurance and they have been amazing! When I found out my pit needed surgery on his leg my first thought was "here we go!" I couldn't believe how easy and painless Embrace made it. After that, he needed yet another surgery six months later on the other leg and that was also covered no problem. They handled my claims so quickly and kept me updated on the status regularly. My sister is about to get her first dog and I'm definitely insisting she get him covered by Embrace.