So I never do these review things. I rely on them but rarely fill them out (I know ...). That being said, my dog recently passed after an illness of many months. Almost $9,000 in claims. Embrace - NEVER - questioned anything. Not a chemo protocol, a procedure, nothing. After my deductible they simply paid 90% within a week or two. I did have one of the higher level plans. After my dog died more than one customer service person reached out to share their condolences. It was not cheap coverage but in the end they delivered as promised.