I wasn't imagining that pet insurance would cover so much, especially on a large bill that required x-rays, ultrasound, and an overnight stay at the vet on IV for my labrador retriever. It was a hefty, hefty bill, to say the least, and Embrace covered way more than I would have EVER expected. No hassle. Just submitted the claim through my vet, got an e-mail a couple days later that they were reviewing, then shortly after I got an e-mail with the amount they were covering, and very soon after that, a check was in my mailbox. I wish human insurance were like this!