My dog was diagnosed with bone cancer in July. I took him to the WSU Vet Hospital to be evaluated. After much testing, scans, radiation, & chemo - I had a $2200 bill. We didn't get a pre authorization because we had to treat him right away & the hospital didn't really know what the cost would be until he was actually there. I was just notified today they covered the entire bill. I have to pay 20% is all. I am so happy. He is going to need more treatment & I am so appreciative they are covering his care. I would recommend Embrace to anyone with a pet. They are great!!