My labrador went one way and her knee went the other way, she ended up tearing her ACL. I was devastated. Not only was she in a lot of pain, but it was expensive. Thank God I had Embrace. They approved the claim the day after I sent it in. She is in her 2nd week of healing from surgery and already received the check. It is a great feeling to know you have this insurance on your side especially for not planned on expenses. I highly recommend Embrace Insurance, nice to have that feeling that they are an insurance company that is on your side.