Our dog ate a stick that became lodged in her esophagus. Fortunately there was no perforation. She required upper endoscopy to assess the damage and has recovered very well. Embrace Insurance reviewed my claims promptly and reimbursed me for the portion of expenses according to our policy. As a retired physician I could only wish that the multitude of insurance companies I dealt with for my own patients would have been as prompt and responsive as Embrace was for us. Simply put---Embrace did a great job!