as an animal advocate and animal owner/lover for all of my life, my circle of friends & I are CONSTANTLY reviewing and researching insurance on our animals. As VPI is a newer company, I was the first of my friends to go with them after hearing negative experiences from all of them about other insurance carriers. My dog is currently 6 and is WELL PAMPERED. We've had Embrace for 2 years and they've lived up to EVERY OUNCE of my expectation and EXCEEDED every customer service experience I've had (*unfortunately* several claims already). I wish you would insure horses!!