My vet told me when I adopted a rescue that I should really consider Embrace for pet insurance instead of other services. I took a look online and did some research, Embrace was by far the best service for the price for my very active dog. We opted for the wellness and sick/injury coverage. About four months after having our new puppy she swallowed something, spent the night in the ER costing us a pretty penny - well Embrace covered exactly what they said they would not gimmicks, hassle - the reimbursement check was in my mailbox 2 weeks later and they even followed up to make sure we had received it. My own personal health insurance is not that good compared to Embrace and I have one of the leading carries in the US. All in all if you have a furry friend, sign up and make sure its with Embrace.