Out of nowhere our dog Gracie developed disc disease which caused excruciating pain. It was a Sunday so we had to go to our nearest emergency hospital. They did an x-ray and their diagnosis turned out to be right but they they did bloodwork to rule out a tickborne illness. They gave us pain meds, recommended strict crate rest and told to watch for neurological signs. That visit was close to $1,000.00 Sure enough within days she started doing this weird cross-leg walking so we went directly to our vet who said it's either surgery or euthanasia. We then rushed to a facility where she could have the surgery. The neurosurgeon went over the cost - more than 5,000.00 - and we were able to say yes without second thought because we had insurance. When we told them it was Embrace they literally clapped! She had an MRI, surgery and a few days of hospital care. I submitted claims to Embrace and am getting reimbursed as promised without a single road block. If only human insurance could be as good!