My one year old kitty, Malee has had a few minor issues since rescuing, the last was hot spots, probably from seasonal allergies when going outdoors for her daily supervised time. Embrace was quick to evaluate and pay the 80% to my account within a week. The last visit was to a holistic Veterinarian, which I like to use as much as possible, avoiding prescription drugs and using natural treatment. I love that Embrace covers this without any limits, just like conventional coverage, which I also use when necessary. I am so glad that I chose Embrace for my beloved fur baby !