I have Embrace insurance on all three of my pets, 2 cats and a dog. My cat, Sunshine, stopped eating and eliminating. After x rays and ultrasound, blood work and urine analysis, she turned out not to have any tumors or obstructions, but a very stubborn bladder infection. Not only did Embrace pay the 80% promised for her diagnostics, but gave me a Healthy Pet discount so that my deductable was only $50 instead of $200. Each year my cat is healthy and doesn't need a claim reduces my deductible by $50. I think it is a nice way to reward pet owners.