When you bring your sick pet in to the Vet, it will quickly amount to a costly bill when the needed blood tests/xrays,medications are prescribed. The one sure comfort I had is that I had Embrace to help me pay those bills so my sweet pet could get well. Although I barely used the policy for the first few years, it has been a pure Godsend this year with the huge orthopedic surgery bills, rehab etc. and now with this new case of enteritis. I have been highly recommending Embrace to all my friends adopting/purchasing a family pet. I gave it a 9 because the day I adopted my dog, I brought it to my Vet who wrote in his medical record that he thought my dog might have a skin allergy or just poor care from being on the street/shelter life. Embrace considered that notation a pre-condition because of that early visit. Sure enough, after time, my little one does have allergies but the shots/tests were/aren't covered.