When I first purchased the insurance, I doubted I was going to need it. Our cat was healthy and fairly young (7 years old). Within six months she developed a kidney problem, which has cost over $1200 so far. Embrace has covered 90% after our deductible. Thank you so much. Melody is much better and it is good to know she can see the doctor again and it won't break our budget. And it was very simple to use the claim forms.