My 9 month old English Bulldog came down with double pneumonia just days before Christmas. He spent 3 days at the vet as he was really struggling to get those lungs cleared. Thankfully I didn't have to worry about the bill since I have insurance for him. Embrace covered I received 1600 from his 2200. bill (this was my 80% after the 200. deductible). There was no hesitation from Embrace on paying this out...no questions asked. I have another bulldog that I have covered (regretfully) under another insurance company. I wish I knew about Embrace when I signed her up. Embrace has been a much better company to work with and they don't disqualify issues based on breed.