My dog recently had MPL surgery done by an orthopedic specialist. When I asked to fill out the claim forms, he advised my that in his experience, claims for the type of surgery my dog had all always declined. The surgeon had only had experience with VPI. 7 business days after filing my claim, I received an email from Embrace saying my claim had been approved and my check is in the mail! I paid out of pocket a total of 2540.00, and Embrace paid for all but 400.00!