I took a policy out on a puppy I had bought, in the process I decided to include my older dog(7 years old)the policy was in effect for 3-4 months and my older dog was diagnosed with kidney failure. Unfortunately Gracie only lasted about 3 weeks, Embraced covered and paid what they said they would, I have had 2 other ins. companies, ASPCA and Best Pet both companies paid a fraction what they were supposed to. I can't say enough about Embrace, losing a pal, best friend, at least there were no disputes as to what was covered and the amounts paid. I can't say enough good things about Embrace, thank you.