I had another insurance with my other Newfie. They only paid a specific amount for a procedure. Which doesn't work well when they say they only pay 1000 and the procedure is 3000....so when I got this puppy, I chose Embrace because they will just pay what ever plan you chose. You chose a yearly $$ limit and $$ deductible. This way I can use any vet etc, and not worry about the exact price. Sage became very ill and we were at OSU for awhile. Embrace has paid every bill 80%...which thus far has been $4712.37. I can not express how comforting it is to have your dog treated where ever necessary to make sure they get well and survive. Sage is doing awesome at this time.