My Golden Retriever Putter, was neutered and I noticed he was scratching quite a bit after. Two weeks later he was operated again for swallowing 3 large rocks. Unfortunately, he was still scratching (which we are still trying to determine). To date I have spent over $5300 and I can't tell you how much easier it is to have the Embrace coverage. I will never own another dog without Embrace insurance. The people are so helpful explaining the claims and anything else you need. I am thinking of expanding for my cat as well.