First you have to know Embrace came highly recommended by my dog agility community. I decided to get the insurance thinking not my dog but you never know. Then "it" happened during an agility national competition - my dog tore his CCL! So happy to have Embrace - I was nervous - wasn't sure how to submit the claims - the staff on the other end was kind, and empathetic - the claims have been handled in a timely fashion. Always communicating where we were in the process. Cooper is on his way to getting better - we will compete again some day. Thanks Embrace!