I was very fortunate in having taken out insurance on my pets, including my Maine Coon cat Delilah only a couple of months before learning she has stomatitis. This is a fairly rare disease where the immune system attacks the roots of the teeth in cats & although my young kitty is otherwise healthy, she had to have all but 5 of her her teeth extracted. Embrace covered this, as well as dental cleanings for both my Aussies & I'm very happy with the results of this. If only HMO's were run like this!!