We have two Saint Bernard puppies. I knew from owning a Saint Bernard previously that the medical bills can add up quickly due to their size. The larger the dog, the larger the medical expense. These pups are almost 6 months old and both have had to have surgery for cherry eye. One of the pups spent a night at the emergency vet due to an allergic reation. We chose Embrace because they pay based on the amount the vet actually charges, not an "approved amount". The customer service has been excellent and we normally have a reimbursement check with in two weeks. I have recommended Embrace to many people from friends to people in the waiting room at the vet office.