We have a 9 year old Labrador who suddenly became lame in her right hip. Upon doing blood work to determine if her kidneys could handle anti-inflammatory drugs, we discovered Stage 2 Kidney Disease. After a slight misunderstanding between our Vet and Embrace, we got the records sent and the claima were processed and paid in 24 hours! I am amazed at how fast they were processed> I have never dealt with any kind of insurance company that was that fast!. I am extremely happy with Embrace and highly recommend them to my friends.