So glad I have embrace. They were able to cover 80% of my beautiful Shar-Pei Igors surgery. He had to get some of those nasty weed plants surgically removed from his paws, poor baby was in pain and they were also able to cover his medication. His bill came out to $1200 and they were able to reimburse me $723 (Knowing that I live in California this is amazing) . Although, the only con was that they took almost a month trying to reimburse me and kept telling me that they had to do more research into Igor's health history when I had thought they already have his medical history since they do ask you to provide his health history upon the first few weeks of having Embrace. But all in all, I LOVE EMBRACE THEY ARE A GREAT WORKING TEAM AND ACTUALLY CARE ABOUT YOU AND YOUR PAL! Promise they will always take the time to listen and try to solve every problem you are having with your pet's health. Igor and I thank you Embrace for covering his medical bills.