I researched numerous pet insurance plans, knowing that my puppy had an overbite issue. Based on other reviews and coverage details - and looking at the "what is not covered" and "what is covered" information on the plan specific web page I viewed, I choose the Embrace plan. Well, they say the devil is in the details, and the company gets to decide whether teeth that are poking holes in the upper palate of my puppy's mouth constitute "trauma" or "illness". My vote would have been trauma, but they don't want to pay the claim, so they voted "illness". I would NOT recommend this company.