Embrace has been a lifesaver for me in dealing with my rescue dog's non-healing corneal ulcer. While the claim was initially denied, their decision to accept the claim appeal based on my vet's analysis was very fair and since then they have paid every line item from every invoice, responded quickly and compassionately to all my questions and pre-certified Boca's surgery. I was even able to make arrangements for the insurance to pay the vet directly. My first claim payment was direct-deposited into my bank account nine days after submitting the invoice (all the rest of the pre-surgery charges went toward my deductible). I really don't know what I would have done without the insurance and will always consider it an essential part of pet guardianship. You just never know what can happen - I considered Boca my "low-risk" dog and so put her on a high-deductible plan, and ended up having a multi-thousand dollar claim within the first year. I'm so thankful that I was able to make treatment decisions for her without feeling constrained by finances.