I purchased Embrace for my 165 lb. Irish Wolfhound after getting clobbered with a $6,000 emergency bill for my 10 lb. kitty....When reading the fine print, I discovered Embrace had much better emergency coverage than many of the other plans. They have worked with my vet on pre-existing conditions. This was my first claim and I was interested to see if this was going to be covered and as easy of a process as they claimed. It definitely was!! I am very happy with their Customer Service. I sleep well nights knowing that my big boy should be taken care of during an emergency.