I rescued a Newfoundland puppy and not knowing anything about her breeding I wanted peace of mind in case something went wrong. Signing up for Embrace was the best decision ever. Not only did she have knee problems, she had two knee problems requiring remodeling of the leg as well as repair of both criciate. Embrace coverage was exceptional making it easy to focus on daisy's recovery instead of how to pay for the procedures. Like any insurance, you hope you never need it but this one will perform as promised if you ever do.