I bought this policy when my dog was very young, after having paid for a very expensive hospital stay to treat pneumonia. I have used it as a buffer in case anything untoward ever happened to her, while paying up front on my own for any normal wellness care. The first time I had to make a claim was for juvenile cataracts after having held the policy for a couple years. The surgery was over $2000 and I was very nervous about dealing with the insurance. Well my nervousness turned out to be totally unnecessary. I was covered for 90% of the surgery and Embrace was efficient, polite, and prompt with payment. My boston has nearly 100% vision and I could not be more pleased with Embrace's response. The only reason I do not give this policy a 10 is that it is one of the more expensive ones out there. Worth it for me though.