Max my 1 year old 7lb Papillon ate 2 fabric sheets. The sheets were stuck and he became sick because he was unable to pass them. With excellent doctor care for a week he finally was able to pass them on his own. Having insurance enabled me to get the appropriate care for Max. He fully recovered and Embraced sent me the appropriate money. The customer service is exceptional and I was always kept update on the claims. I have had a wonderful experience with Embrace.