My dog had been diagnosed with Medial Patella Luxation and the vet informed me that she needed surgery to correct it. My heart sank as I felt so bad for her and I was also worried about the expense. When all was said and done I paid $6268 to the Animal Hospital. As with any insurance claim ( car, home owner, etc. ) you worry how much you will actually get back and how long it will take. Embrace paid everything (80%) they were supposed to and settled the claim in about a week . I cannot say enough good words about this company. The customer service reps are great , and they keep you informed every step of the way. Embrace far exceeds my expectations.