Every time my vet turns in another claim on my wild woman female 5 year old sweet but crazy hunting dog, I am so afraid that Embrace will cancel me! But they never do. She seems to be accident prone as she is into everything and comes out with skin tears and punctures and cactus spines (and yes even a skunk) and since every thing she comes across goes into her stomach, something concerning that will undoubtedly come up! Embrace has covered all of these things - I am very pleased. It is comforting to know that we are covered should anything serious (very expensive) happen.