I took out insurance on my dog because of the rising costs of veterinary services. Zoe is my 4th American Bulldog and none of my other very athletic and muscular AB's have ever needed orthopedic care before, so when Zoe tore her ACL it was a complete shock! I took her to a vet specialist about an hour away and was quoted $5500 for the surgery (!). Fortunately I asked around and found a "mobil vet" who specialized in this procedure and worked with over 40 vets in my area and performed the surgery for nearly 1/2 this cost. I got prior approval/clearance from Embrace before the surgery (which I highly recommend). The approval process was fast, as was the refund for the surgery itself. I am SO glad I had this insurance and can not recommend this company more! They are very organized and professional.