Our 2-1/2 year old Whippet was experiencing lameness in his front legs. After an evaluation, he was diagnosed with multiple tendon issues in both shoulders. Initial diagnostics and treatment, including surgery, totaled over $6700. While the claim evaluation by Embrace took a bit longer than expected, they contacted us during the process to advise of the status and apologized for the delay. In the end, they covered everything, with the exception of prescriptions, (which we expected, as we did not opt for prescription coverage). After satisfying the deductible, the balance of the claim was paid at the full 80%, as the policy had stated it would be. We are very happy with the coverage and service provided by Embrace. So happy, in fact, that we have just added our third dog to our policy with Embrace, and we gladly recommend this pet insurance to our friends.