My dog was diagnosed with Lymphoma(Cancer of the lymph nodes.) She has had many claims and will probably need more treatments in the future. If I did not have Embrace she may of not been able to get the treatment she needed, due to the expense. The staff was kind and sent emails on a regular basis to let me know what was happening. I am thankful to have them. The only thing I did not understand is why it takes the claims close to a month to go thru. Regaurdless,I am happy with the insurance.