I did a fair amount of research on pet insurance policies to cover my new golden doodle puppy. I had a terrible experience in the fall with a not yet 2-year-old cat who was unexpectedly diagnosed with chronic kidney failure and was astounded at the medical and hospital costs, so I was not going without pet insurance for my puppy. Because of all the anticipated vet bills associated with vaccines and the like, I chose Embrace because they also offered a wellness plan that I could add to the accident and illness coverage. They also provided early coverage for orthopedic problems, which can be an issue with this breed. They have covered everything I have submitted to date, either under the wellness plan or charged against my deductible, at the actual cost charged, and have been immediately responsive and pleasant. I am so far extremely pleased with this company.