I was blindsided by my poor pup's illness. Just one morning she was acting so lethargic and unlike her normal puppy self. I rushed her to the vet and then it was just an avalanche of expenses. X-Rays, Sonograms, Meds, Nebulizer treatments, etc. etc. In the moment, you don't care. You just want your puppy to be OK. When the bill was generated after a 2 night hospital stay, it was daunting to say the least. Embrace's terms are simple and easy to understand. My calculation of what I would be reimbursed matched their payment to the penny. No surprises. I'm so glad I did my research when choosing the best insurance company for my sweet pup.