My honest opinion is embrace is fine if…
My honest opinion is embrace is fine if your dogs are young. I've had this policy for over 10 years and feel like I'm being ripped off as every year the premium sky rockets as my dogs get older. I also feel that something so basic, embrace seems to make so difficult. Example they ask you to send in the same receipt. Just feel like some things are self explanatory and they make it seem so difficult.