My rescue mixbreed had a long-term Cruciate Ligament problem that just got worse over a 2 year period. When the vet decided only a full TPLO would do, I contacted Embrace for pre-certification. They covered it even though it was a long-standing issue - not injury. They were so very helpful in telling me what I needed to send them AND told me exactly how much and of which charges I would be reimbursed. Even though they said it might take up to two weeks to receive a reimbursement check, it came ASAP! Then, they keep following up to see how he was doing...AND reminded me to file for any additional follow up visits or claims I might need. Shocking! In short, I am astounded at how nice many employees were, how personal they seemed to be w/ my dogs claim, and most importantly the amount and percentage of reimbursement w/ NO hassle. HIGHLY RECCOMMENDED!