My dogs yearly claims for her immune condition. My dog was diagnosed with a rare immune disease in 2010. Less than 1% of all dogs have this condition. Fortunately, when I adopted her from the dog shelter in 2008, I got her Embrace policy. I turned in $3000 worth of claims in 2010 which were promptly paid by Embrace once they had her doctors records. She must go in yearly for rechecks which cost around $400. However, this year she also had some minor illnesses of diarrhea a couple of times and ear infections. I kept all of my bills for her (over $1000) and turned them in on Monday and they were paid on Friday.