My Flat Coated Retriever suffered severe injuries in both shoulders, requiring surgery and extensive rehabilitation. Embrace has received and processed over $8,000 worth of bills (so far). They have gone out of their way to make the claims process easy, and to promptly pay all claims, directly to my bank’s checking account. I just wish I could find a human health insurer that was half as good. I’ve had other pet insurers who weren’t nearly as good. I highly recommend Embrace.