My leonberger has had frequent visits to his vet for loose bowel movements. He was recommended to an internal specialist. He was diagnosed with chronic irritable bowel syndrome which can be lifelong. I submitted the $1,800.00 bill to Embrace and within a one week, they notified me that I would be reimbursed $1,400.00. The initial cost was surprising, as was the prompt refund that I received from Embrace. I was very grateful for the reimbursement.