Our Goldendoodle is 10 years old and we have had Embrace insurance all his life. He had minimal problems over the years but whenever we submitted a claim it was paid immediately within a very short time. This year when going in for what we thought was ACL surgery on his right stifle we were told after they opened him up that he had a rare cancer of the synovium and they had to close him up . At the time the vet recommended amputation. We subsequently had another opinion and then took him to Cornell for full workup. Well that was in February and it is July. He still has 4 legs. Still has the cancer but we were told it will remain confined to the knee and will not metastasize. Great news but all the doctor visits resulted in thousands of dollars and Embrace paid without question. I would recommend Embrace to anyone considering a pet.