Our 8 y/o GSD required a total knee replacement. Unfortunately, things did not go smoothly and there were complications (torn ligaments) that required an additional four(!) surgeries - including ligament repair, an allograft, and ultimately a second new knee - over a period of approximately ten months. Needless to say, this was an incredibly expensive and emotionally trying ordeal. All the surgeries, follow-ups, radiographs, etc. cost approximately $20,000. We submitted over a dozen claims to Embrace throughout the experience and they were always processed and paid quickly. Because the process usually went so smoothly I rarely needed to contact Embrace. But the few times that I did I spoke to helpful and caring employees. In total, Embrace reimbursed us our annual maximum of $15,000. When your best friend is ill or injured, the very last thing you want to worry about is money. Having Embrace helped us focus on what mattered most: the health of our dog. As a result of this experience I have enthusiastically recommended Embrace to every pet owner I know. Five friends/family have already heeded my advice and insured their dogs with Embrace. Our experience is probably best summed up by the fact that my wife wants to bake ‘thank you cookies' for all the Embrace employees!