We have had this insurance since our girl was 7 yrs. old....she's now 12 years and still going strong. She has had a few issues with a neck issue, rehabilitation and medication and now some heart issues (mitral valve disease) with more expensive medication (ongoing) but through it all, Embrace has been awesome. They have covered everything according to our plan and we are so grateful to know that they have our back when it comes to needing tests and treatment. We had another insurance with a previous dog and when it came time for extensive treatment and medication, they refused to pay for anything but cremation! Now this does come at a price which goes up considerably each year. But with any insurance, you hope you never need it but it's great to know when you do they are there!