My pup Lucy started out with vomiting and other nasty things. It graduated to her being lethargic and not eating. On our third trip to the vet, Lucy had a fever of 105.3 and her liver numbers were ridiculously high. She was hospitalized immediately and remained there for four days. She's getting better but her liver numbers are still elevated. We are still seeing the vet on a frequent basis for monitoring. Working with Embrace has been SO easy. The claims can be submitted electronically and, so far, all communication has been via e-mail, which I like. Of course I could call in if I preferred to communicate that way. I used another insurance company for one year and then moved to Embrace and I am SO happy I made the move. Embrace is great!