My little Maltipoo was staying at my brother's home while my family went out for Christmas Eve dinner. Unfortunately, my brother's roommate was not thinking and left the door open while he packed up his car. My little girl escaped and was hit by a car. She broke both pelvis bones and had to have surgery or she wouldn't be able to walk again. We went through with the surgery, however, I was nervous that Embrace would not cover the charges because I was a new customer (only 2 months!) and I hadn't gotten the orthopedic examination yet. However, I filled out my claim forms and I was reimbursed for nearly 80% of the charges!!! What a Christmas miracle! Embrace continues to reimbursed me for her follow-up appointments (including x-rays) and overall has been a real blessing. I am so happy that I decided to look into dog insurance, as you never know what can happen! My parents were also so impressed that they are looking to sign up their dog for Embrace Pet Insurance. Highly Recommended! I am only rating them a 9/10 because the initial sign up was a little cumbersome. My dog was a rescue so getting all of her medical history was a little challenging, but overall worth it!!