My chocolate lab needed surgery to remove a rock he ate. The rock got stuck in his intestine(s), and actually perforated his bowel. This is the 2nd time in less than 2 years that this has happened. With both of these instances, and every other claim we have filed with Embrace, the service has been second to none. I recommend Embrace to everyone who has a pet. Covering my 4 dogs was one of the best decisions I have ever made concerning them!