Our pet mini schnauzer, Viki, had a frightening experience a few weeks ago.After a few minutes of ball playing, She could not walk without falling down and was completely disoriented. We took her to the vet the next day who recommended we take her to a heart specialist. She was diagnosed with bradycardia. I have never heard of that heart issue. He said she could have another episode but can't tell when. He also said to be mindful of this when she plays. She is fine now but we were indeed worried. Both vets sent reports to Embrace and within a day or two we were notified that a claim had been made. We received a check within the month. I was very pleased with the quick response and indeed have peace of mind knowing that we are dealing with such a responsive company. Embrace Pet is the way to go!!