Wow, I am just so grateful for the health and wellness plan, the dental plan and over all my 80/20 plan for my Ginger. I submitted a claim for a crucial ligament tear in her right knee, I caught it in time we hope, meaning her left knee isn't gone yet. But, the problem was the Dr. has a very tight window for surgeries, as she is the specialist for shepherds in my area. This surgery is expensive and the recovery is slow, but we are going to get through this thanks to Embrace! It is worth the 100.00 I pay each month to know when these things happen, they can happen without question. Thankyou Embrace...