I was looking for major health coverage for my two Shih Tzu's at 4 months of age. I didn't take wellness or drug coverage.At 14 months, my female got sick and was diagnosed with congenital liver problems. After a $6,000 plus major surgery I was thankful I purchased the insurance. Embrace paid promptly and fairly for the coverage I purchased. The deductible you choose is important. I got a $300 deductible and didn't reach it for the healthy dog, but just the diagnostic tests for the sick one was over $400!