We have had good luck with our very healthy lab, Oliver. He is now 5 yrs. and this year is the first time I had to file any claims, unfortunately, we had to file two claims. One was earlier in the year for an unexpected surgery due to a lump that was thought to be cancerous and just recently, for an unexpected minor injury. Embrace was right on top of both claims and we have received reimbursement quickly. This insurance is such a blessing! My husband has been laid off for the past year and a half. We really were nervous about being able to afford the appropriate care that Oliver needed. Embrace has definitely taken that worry off our backs!