My two year old poodle mix has been insured by Embrace since she adopted me when she was 5 months old. We have had several claims for gastritis, including one surgery. We were' doing fine until I let a friend with a dog the same age watch her. I usually use an in home professional, but decided to make an exception. After specifically writing out instructions, and providing appropriately portioned prescription dog food, my friend let my dog share some of her pet food. Needless to say we had yet another claim for gastritis. Embrace never questioned where or why. Love the peace of mind knowing I am working with such a great company.