When my pug Tina was diagnosed with lung lobe torsion I was devastated. I hated the idea that my poor girl would have to be opened up and have part of her lung removed. She is only 11 months old! The surgery was $4000+ and boy was I glad that I had bought her insurance when I did. Embrace covered the full 80% that I had selected when I created my policy and I was also glad I had selected to have prescriptions covered too! Never in a million years did I think I would need to use the insurance so quickly after purchasing it. I needed to make this large claim just a month after buying the policy. I'm grateful I had the foresight to buy insurance and also that Embrace has been so pleasant to deal with. I had called them around the day of the surgery to see what my policy covered because I was so distraught I could barely navigate their website or any website for that matter. Their staff on the phone was SO KIND and sympathetic and I truly felt like they were GLAD that I had coverage for her which I have NEVER HAD THAT EXPERIENCE WITH AN INSURANCE COMPANY!!! They are truly a great company with kind employees. The communication is outstanding. A+ all around.