I have a Gordon setter puppy who is quite inquisitive. I researched many policies and decided on this one because of the excellent coverage. My pup was in the E.R. because of a toxicity issue. she found an asthma inhaler and bit the canister resulting in an overdose. Vet said she'd never seen a pup do this before. The tension of waiting for your beloved puppy and the family worry is bad enough without having to worry about how you are going to pay for it. Thanks to Embrace who received the claim and paid very quickly! I only regret not having bought the top of the line policy. I had to pay the $500.00 deductible and was reimbursed at 80% like I chose. I will up this next year because my pup deserves the best care.She is fine, now been spayed too and embrace sent that check lightning fast as well!