My Dog is now five years old but has definitely gotten himself in a lot of situations that cost a hefty hospital bill for me. But thank god to Embrace they are always so helpful and always available to answer all my questions. I am so glad to have insurance for my dog. It definitely pays and has made me not have to pay everything out of pocket. For example the $5000.00 hospital bill for a surgery he had to have because he ate a piece of plastic from his chewy toy. Embrace paid $3500.00 of that bill. I definitely recommend them!!