Thank goodness for this insurance and that I had the good sense to get it when Pittsburgh was a puppy! His knee surgery cost over $3200.00 and Embrace covered 80%. (He will be facing surgery on his other knee after the rehab from this one. Being on a fixed income, we probably could not have afforded such a huge bill, and he would have suffered because of it. The peace of mind this insurance gives us is immeasurable. Thank you.