I have a 9 month old Newfoundland that was diagnosed with bi-lateral luxating patella. Having Embrace Pet Insurance made the decision to have surgery very easy, knowing that I could afford to have both of his knees repaired. He is now walking much better and the prognosis for the future is very favorable. The alternative to surgery was to put him down. I received the check in a timely manner and hopefully we can now enjoy our puppy.