We are owners and breeders of Newfoundland dogs. We currently have 10 dogs living in our house. We had looked into buying health insurance for our dogs a few years ago, however none of the plans would allow me to pay an affordable amount for a high deductible ($1000). We had hoped that buying insurance on my dogs meant that we would never need to use it. Unfortunately, about a week after our waiting period on of our girls developed pyometra (infection of the uterus). Her case was very severe and required over $7000 in surgeries and intensive care. I was just notified by email that the claims we have submitted will be paid. Thank you Embrace, our girl is doing great. We had excellent vets and now we are breathing a sigh of releif that we made an excellent choice in choosing Embrace pet insurance.