I have two dachshunds, and for anyone that knows the breed, knows they come with a laundry list of ailments they're prone to. Although my boys have - few pre-existing conditions which are not covered(and I am fine with this because I knew it was the way of things before enrolled) I still have had not one problem getting our claims reimbursed. In fact, one of our dogs seems to have something every other month wrong with him, and we would not be able to keep up with the bills and the care for these guys without embrace. Aside from the claims, the customer service is out of this world, and communication is that of no other company I have encountered thus far. I was previously enrolled with another company who I always had issues with specifically in the claims department and I switched to embrace and have not been let down yet. I have even recommended embrace to other family members - Thanks for kicking butt embrace!!!