My dog was diagnosed with a fully torn cruciate and a luxating patella, both of which are required surgery. The procedures were done at the same time and the total was over $4K. I recently lost my job and would have truly been in a dire financial situation were it not for my Embrace policy. Thus far, they did exactly what they promised to do and did not try to look for exemptions or reasons not tocover my claims. They were fast to reimburse the majority of the surgical costs and have been encouraging regarding coverage of necessary PT as well (fingers crossed). I highly recommend Embrace. Having their policy has allowed me to get my girl the care she needs without having to go into a lot of debt. Thank you Embrace!