My pup only has the illness/emergency coverage, but we could not be more pleased with the service we've received. Winston is 2 and a half and has been pretty healthy. Every time he has an illness or emergency we take him to the vet and make the claim. That way Embrace keeps tract of our deductible for us. When/if the vet is slow in getting in the needed paperwork, Embrack lets us know. Embrace treats us like people who love our pets. They follow up to make sure all is well and explain the reimbursement clearly. They even follow up to make sure the check was received. I recommend Embrace to all the folks we know at the dog park.