When I got my pug from a rescue I decided to purchase insurance for him because my older pug had so many health problems. Within a few weeks of rescuing him and purchasing insurance, he was in need of surgery to correct a dangerous breathing deformity. I had researched other insurances and Embrace was the only one I found that covered birth defects. I actually called VPI and was told they specifically do not cover breathing problems with pugs because it's hereditary. Embrace prcoessed my claim and kept reaching out to me and Otto's vet and surgeon when they needed more information instead of just denying it and moving on. I've recommended Embrace to my vet office as well as my pug group here in Nashville.