We have had Embrace insurance for both of our Lab mixes since our they were pups 4 years ago. We just submitted a claim for hot spots and will be receiving a check for 80% of the bill next week. We have always been very pleased with how easy it is to submit claims and we have always received exactly what our policy dictates based on what hated out of a pet policy. Even though I would consider both our dogs healthy. Being very active outdoor loving labs who spend a lot of time running in the woods, they do get hurt or have minor issues. Even our vet is very impressed with our Embrace insurance and is now recommending it to other patients owners. We also always recommend Embrace to other pet owners.