Sometime last summer my Labradoodle helped herself to leftover corn on the cob out of the trash. For some reason it took until Thanksgiving week to cause an intestinal obstruction. She had to have emergency surgery. She is almost 4 and I have had Embrace since she was a pup. This was my first claim and I anticipated there may be some hassle. I submitted the paper work and all went very smoothly. They communicated with me frequently with e-mail and I was very pleased. It gives me peace of mind knowing they are reliable and honest.