We just adopted our goldendoodle, Finley, and wanted to have insurance in case we have any problems. But the odds of that are low overall, so I really wanted insurance that would help out in the event of an emergency and ALSO help with the routine care a puppy needs in her first year. Very pleased to find this one, with a $400 wellness budget that will cover her spay procedure, microchip, all the basics. We'll get 80% of our money back off the top. Well, just sent in my first claim and within days I'm already getting a check back. They responded quickly with emails updating me and even told me to "give Finley a belly rub from the Embrace team". Nice touch. Very pleased.