First Claim, excellent customer service, easy, clear and concise instructions to follow, Speedy refund, no hassle. Even the Health History, Orthopedic Exam & Waiver Process and required pre-work was not that difficult to do. As a 3X Great Dane Parent, we KNOW the potential costs and issues with a PureBred Giant Breed dog. We paid all out of pocket on our last two including ICU and surgeries. Not without insurance on this pup! Our young girl Misty is healthy and this was only a Wellness Rewards Claim, hope to not have to use anything more, but keep up the fantastic job EMBRACE! We sleep a bit better knowing she is covered.