I have sung their praises before but I feel a need to do so again. Embrace is, by far, the best insurance company I've ever dealt with, of any kind. No matter how conscientious of a dog companion you might be, and no matter what perfect shape they're in or how you take care of them medically, some huge expense will eventually happen. This can break a family and make them choose between their rent payment or the appropriate treatment for the dog... with Embrace you don't have to make those horrible decisions. They pay 90% of your vet bills, provide wellness and dental care, for a reasonable annual fee. I have gotten my money back more than 20 times what I paid for it. Even my vet practice is completely sold and recommends Embrace exclusively now! Give it a try.