Our 9 month old yellow lab swallowed one of our daughters socks. He didn't show signs of distress until a couple days later when he started vomiting. After talking with our vet (after hours),he advised us to take him to the local emergency animal clinic. They took ex-rays,and low and behold they saw a blockage and said he needed surgery. Everything went smoothly,he went home couple days later,and his recovery has progressed very well. We submitted all documentation to Embrace,they reviewed the claim and within 3 to 4 weeks we received an approval for a refund check. The bill was for over $4700 dollars,and our refund check(after all deductions) was over $ 3500 dollars. Anyone considering pet insurance should give Embrace every consideration.