Totally true story-- I adopted my dog in April. My last one had a lot of chronic diseases plus one emergency surgery and I didn't have insurance. I decided to get it with the new one and after much comparison went with Embrace because of customizable plans and other features such as actual cost reimbursement annual not per incident deductible. She was diagnosed in October with insulima, a tumor on her pancreas. I opted for surgery to prolong good quality life but not cure her. Surgery went well and biopsy was encouraging but she developed severe pancreatitits and became diabetic. SHe spent 8 days in the ICU and still needs lots of care. The only bright spot in this whole thing has been Embrace (plus the kindness of others). even though she was so newly ensured the paid up in full. I'm only giving a 9 not a 10 because of the delay in processing my claims (for which they repeatedly apologized and did keep me informed of status). To top it off, the customer service rep I talked to emailed me separately to inquire about the dog's status and say how glad she was that at least I was getting reimbursed. Really impressed and pleased.