On the Sunday before Christmas (3 weeks after a full checkup showing NOTHING wrong), our dog Finn had to be rushed to the vet with a ruptured spleen. He was bleeding out in his abdomen. He had to have an emergency spleenectomy immediately. Because we had Embrace, we could tell them to operate, without spending time trying to figure out the finances and whether we could afford this very expensive surgery. Instead, we had the best surgeons and care for our Finn with no worries. We could concentrate on taking care of his recovery and counting our blessings we still had our sweet boy with us. We came so close to losing him. Even now I still tear up thinking about it. Just the time trying to figure out how much everything cost and what we could do could have cost us his life.Of course the claim was processed very quick and the check is on the way. Thank you, thank you, thank you!