It took three hospital stays, and one surgery to get our small poodle mix well. Embrace was with us all of the way. Our claims were acknowledged and paid promptly. When I did have questions the were answered immediately. This is our second year with Embrace. We have over 300 dogs in the retirement community we live in, and I tell all the dog people I meet on our walks how great the service is. Our veterinarian was also very impressed.