I just brought home a rescue dog a week and a half ago. I asked many pet owner friends of what they thought about pet insurance all in all I recieved alot of negative reactions from them but always in the last part of the conversation they would proceed to tell me how much money they plunked down for their pets illness's. Bottom line is I did alot of research on different policies. I chose Embrace, which so far I am quite pleased. They correspond quickly and expeditiously. I am waiting for my first reimbursement which they just told me is on its way for the wellness coverage. So far very pleased and so glad I purchased a policy from them.