We've had Zola Bear for nine months now and a few weeks ago she was diagnosed with a mass on her front paw that needed to be removed. Zola's well being is of the utmost important to us and we planned to go through with the procedure regardless of whether it was covered under her insurance. Embrace was there every step of the way and made the financial impact less of a burden. Much to my surprise Embrace lived up to their end of the agreement and we were only responsible for the $200 deductible and 20% of the bill. The bill was $1,131.50. Embrace sent me a check in the amount of $725.12. I'm still in shock over the payment we received from Embrace.