Embrace is certainly a better choice that VIP, which I had for my former dog, a Husky who lived to be 17 1/2.Embrace staff is super wonderful and thoughtful.
Embrace will cover inherited breed disorders as well.
However, it's expensive; but if my poodle gets very sick, god forbid...so far at 11 yrs plus he's been in amazing health....i know Embrace will be there for that just incase cost of treatment.
I have it for the worst case scenario and will keep it for this wonderful white standard poodle whom I adore.
my latest claims have been reviewed and the staff has been meticulous and fair!
what more could I want from an insurance provider unless they're non-profit.