My Golden doodle broke her L front wrist and needed to have it fused, bone grafts and months of recovery. If it had not been for the fact that we had insured her with Embrace we may have needed to put her down due to the high cost of the surgery and post op care.Embrace was wonderful. We always received checks within 10 days of summiting the bills. We could take care of Gracie and get her back on her feet without worry of how to pay the bills. I tell everyone about Embrace!!!