Nikki under went a series of tests. She was not feeling well...but had all the symptoms of Cushings. With an ultrasound, blood work, ACTH, xrays the bill became large quickly. With Embrace i could go home with Nikki and worry about her...not a huge credit card bill. Thanks to embrace. They paid the bill 100 percent less deductible. There was no quibbling over it. Embrace keeps you informed of the status of the claim! The people are great working with. Embrace seems to be the insurance plan to go with. No problems at all. My dogs are everything to me. Embrace is not cheap....but neither is health care. With embrace, you get what you pay for: honesty, responsiveness, caring. And peace of mind.