We have had Embrace for our dog for almost 8 years now. Luckily, for most of the time we haven't needed to use the insurance. However, on the couple of occasions that we have needed treatment, Embrace has been great. Most recently, we had to try to identify why our dog had an unusual appetite. He was always begging for food and drinking excessive amounts of water. We worked with our vet to determine a cause and Embrace covered us every step of the way. We now have our dog on medication that has helped tremendously. Embrace was quick to review and approve the necessary procedures and medication during this process!