My dog, Rusty, got hit by a car after only a few months of having Embrace. We had concerns at the time that Embrace might not reimburse us due to the 6 month hold on orthopedic conditions for the $4000 surgery that he had to go through to repair his broken pelvic bone. We almost did not have the surgery performed because of money issues, but decided to go through with it. I was so incredibly pleasantly surprised when there was no issue with Embrace, and the surgery and all of his care was reimbursed in full (not including deductible and the percentage we agree to pay, of course). It saved us an incredible amount of money, and Embrace was wonderful throughout the process. I have since been recommending Embrace to anyone who asks about pet insurance, and will continue to do so. Thanks Embrace.