Having Embrace for my 15 month old mixed yorkie rescue has been a lifesaver since I wasn't sure how I would come up with the money for her medical bills. Once I pay the vet and the bill is faxed to Embrace, the checks are processed from Embrace within a two week period and I use that money for the next medical test/office treatment she needs. We are getting closer to understanding my dogs medical issues, and I am very happy I took out this policy. I never had insurance for any of my pets in the past. We have a policy for medical issues not wellness plan.