My dog got bit by a rattlesnake and had to go to emergency hospital for treatment. I was astounded by the fee. When I got home I called Embrace about what my deductible was (I forgot) and how they would pay the claim. The rep. told me my deductible and that I would be reimbursed 80% of the cost since this is the insurance I had selected. I sent in the claims and days later I got my check. I was so happy with Embrace. No hassle and no pain. I would recommend anyone to this insurance plan.