OUR 7 MONTH OLD LABRADOR was having trouble walking and was diagnosed with OCD (osteochondrosis dessicans). Our vet suggested surgery at the MS State veterinary school...which we may not have been able to consider due to the expense if we had not had Embrace insurance. She had the surgery 2 weeks ago. We filed the claim and it was paid within a few days. Amazing, because I file health insurance claims for a psychotherapist and they can take 90 days or more to pay!!!Thank you, Embrace, for our puppy being able to return to being a normal active puppy.