My dog had eaten non food items (probably due to an irritable bowel condition) that were stuck in her stomach. She had to have them surgically removed. I am grateful to Embrace for its coverage which saved her life. During the surgery a small mast cell tumor was found that was also removed. Embrace has aleays covered all the claim amounts as I expected, no surprises, and I have always been reimbursed promptly. I am a satisfied customer.