Embrace is the best insurance ! My 10 month old lab puppy ate 1/2 pound of grapes which can be toxic --- my vet said to take him to ER. He is doing fine. I am putting all food items away as soon as I get home so he doesn't have the opportunity to "surf" the counter tops. Just within the last month his growth & reach seems to have extended another 6 inches! Embrace processed the claim and I received payment within a week! Remarkable quick turnaround!