I submitted the first claim of my policy year for my boxer Sledge, for two unrelated conditions. One was the excision of an infected interdigital cyst on his left front paw. It required anesthesia and was a big chunk of money to come up with! I had to borrow some funds from money I had set aside for my son's wedding which is this summer. After meeting the annual deductible, I am thrilled to be able to recover some of the cost from this policy. Embrace staff was great about communicating the status of the claim, with no inquiries from me. I chose the policy because I could customize it for my needs. I work in the "human" insurance industry, so I am pretty picky about this stuff. Thank you, Embrace!