A few months after I enrolled my dog with Embrace, he slipped on wooden stairs while we were staying with friends. When we returned home, I noticed that he was limping so I took him to my vet. At first, she tried medicine but that did not work. I took him back and my vet performed a series of x-rays. Although the x-rays look good, my vet is afraid that my dog may need surgery in the future for a luxating patella. I submitted my claim and received really fast service with no "back & forth" issues.This is the first time I have had pet insurance and I am very happy with Embrace.