My Charlie had a very strange episode. He was clearly uncomfortable, and was making strange head movements. I had no idea what was wrong with him. I videoed it to show the vet. We rushed him to the emergency vet, since my vet wouldn't be available for hours. He didn't demonstrate any of the symptoms by the time we got there, but had him checked out anyway. We agreed to the xrays, but declined blood work. Ended up being a bill around $550 with no clear diagnosis of what happened. Embrace reimbursed me $324.51. Claim was handled promptly and I was able to work with a real person! I'm very please with Embrace.