We have two Sealyham terriers (2 years and 1 year) and will be getting a third puppy who we will also be insuring. We had been with another major pet insurance company for approximately 10 years with other animals we had. That company was covering less and less compared to when we first were submitting claims. When we got our now 2 year old Sealy, after researching with our vets' offices as to which carrier seem to be the most popular - especially when it came to covering alternative modalities like acupuncture, laser therapy, etc. - Embrace was the carrier that seemed to be recommended. Having puppies always seem to involve trips to the emergency vet plus other miscellaneous issues that come up, and we have been extremely pleased not only with what is covered under our Embrace insurance but the turn around time. We have recommend Embrace to other friends and neighbors and will continue doing so.