Our 6-year old Golden Retriever is experiencing her first signs of arthritis. We had her X-rayed and received medicine for her for the next month. Have been dutifully paying our Embrace premiums for the last 6 years without having to use the insurance so we were so pleased to see it was as worthwhile as we had anticipated. Super quick claims process and really responsive in connecting with our vet's office and the pharmacy. Really appreciate!