Embrace is the 2nd insurance company Ive purchased & am exceptionally pleased with every aspect of this company! My 5 month old irish wolfhound "Dexter" was diagnosed at 9 weeks old with a staph infection. It spared no area of his body. He was itchy & swollen everywhere! I have been taking him to the vet every 2 weeks for more antibiotics (due to his rapid weight gain) & as long as I remember to fill out & fax the claim form everything is covered. I have never even received a phone call from anyone, regarding these claims. After I met my deductible, they have covered everything & I do mean everything including probiotics & anti-itch medicine. We've been so impressed that we even bought a policy for our 6 year old rescue chihauhau!!! He's even had an accident claim when he fell down the stairs in our living room. Irish wolfhound puppies are very clumsy!