We got a Yorkie about one year ago. This is our first dog. Although he has been a great pet, we have definitely had some challenges. He has had trips to ER, a sensitive stomach, and had 12 baby teeth extracted. Needless to say, we have gotten to know the vet very well. Luckily, we purchased insurance through Embrace. They have been the best in covering his many illness and wellness treatments. Just recently he was diagnosed with a luxating patella which required surgery. The doctor that did the surgery did not believe that this illness would be covered under the insurance. However, Embrace did it again ... the surgery is to be covered (pre-certification). Embrace has been wonderful and responsive ... thank you.