I took my dog to the vet because he had been sneezing and I was shocked to learn that he had nasal cancer. I was told without treatment, he would have 3 months to live. Or I could opt for the very expensive treatment and he would have a few more years. So far the vet bills have been over $13k, and there have been no hold ups or issues with the Embrace insurance at all. They even are covering acupuncture and herbal treatments. It's easier to use than my personal health insurance. I highly recommend Embrace.