This is the first time I have used any type of pet insurance, so when I had to file my first claim recently, I was a little nervous. Happily, Embrace worked exactly the way it was supposed to. I paid my annual deductible and 20% co-pay and Embrace paid the rest. What a relief! Also, having Embrace enabled me to go ahead and allow the vet to do a recommended blood test to rule out the possibility of our dog having a more serious illness. Without Embrace, I don't think we could have afforded to do right by our dog. Instead, we would have had to put off the blood test and waited it out, hoping that everything would turn out okay in the end. In short, Embrace was easy not only on our pockets but also on our minds!