We have had insurance on Windi for several years and never had the need to submit a claim. She suddenly became very sick with what turned out to be a severe kidney and auto immune problems. The hospitalization and Vet visits were very expensive. Embrace quickly paid for everything that was covered by my policy and even explained in detail how they paid each claim. (I only wish I had opted for the prescription coverage.) They have now reimbursed several thousand dollars and it looks like Windi is on the road to recovery. I highly recommend Embrace Pet Insurance.