About two and a half years ago we adopted a sweet collie/golden mix. Shortly after he came to us, he suddenly developed Turner's syndrome. Fortunately Embrace Pet Insurance covered the MRI cost. After that, we had two good years, until about six months ago our dog slowed down considerable, and rather suddenly. We needed had a number of tests done, including some that necessitated his staying overnight at the hospitals. Embrace covered these. Sadly, we discovered that our sweet dog had cancer, and we lost him about a month ago. Embrace was always quick about letting us know that they had received our submitted bills and the reimbursement checks came soon after. I would definitely recommend Embrace very highly.