Our dog ingested some pork chop bones and we had to take him for some xrays. Thankfully he was able to pass them and just had to take some medicine for his stomach for a week. This was the 2nd time we have used our Embrace policy and it couldn't be easier. All I had to do was have our vet fill out part of a form and then email that along with his paid bill to Embrace and they handled it from there. Within a day I had an email saying they were working on it and in just a couple more days I was told the money would be direct deposited for me. They have expressed there concern for our dog and are always more than friendly. I would recommend them to anyone.