At 12:15am one night in August, I went to retrieve my 6 year old male cat Misty May from my screened in porch. He struggled, tried to bite me and twisted out of my arms on to the porch floor where he vomited and hunched up in obvious pain and distress. I rushed him to Animal Emergency where he was diagnosed with acute pancreatitis and ileus. He spent two days in the hospital in supportive care. The bill was $2000! I submitted the claims and Embrace did cover the cost less my deductible and 20% co-pay. However I will say it took Embrace more than 6 weeks to reimburse me and multiple emails back and forth. Nonetheless, I was glad I had the policy and do recommend insuring your pet with Embrace.