A new rescued basset hound spent 90 minutes eating grass in the back yard while I thought she was just dozing in the sun. The result was acute gastritis; three x-rays over two vet visits to see if there was anything else in there except plant matter, an injection of Benadryl to calm her nausea, one emergency examination charge and one regular examination charge and it's already $340. I took a week to make sure she was all right and then had the vet fill out the claim form and fax it in. Embrace acknowledged the receipt the next day. Some reviewers seem to have had faster service; I think it took the whole 15 days Embrace indicated rather than the three or four some people report but they did get back to me no longer than they had promised and they covered everything except the two cans of special dog food I needed to give to Bella on the two days after her vet visits. So, pretty much as advertised and everything I'd hoped for after reading all the sterling reviews.