Our 9 year old retriever mix had a catastrophic accident that resulted in two shattered front legs. I was expecting a lot of red tape and exclusions of coverage disputes from Embrace as I had had with a previous insurance carrier. Not the case!!! I submitted the bill along with the vet's notes and received a check for our policy coverage limit- no hassles. What is even more impressive is that our pets continuing care for this accident is still being covered in the new plan year. I know that other companies would have cut off coverage for this accident after the the policy limit pay out. We deeply love our dog and having Embrace insurance we were able to make our decisions based on her best care rather than monetary considerations. I highly reccommend this insurance company.