Our friend's puppy was recently kicked by a horse and had to have expensive surgery on her leg. Shortly thereafter, we brought home our third rescue pup and realized that the possibility one of our dogs would need major health services was increased exponentially! We found Embrace through USAA of all places and were happy to see reasonable premiums and a wellness policy! We moved forward with insuring all three dogs and immediately submitted wellness claims. We received personal emails throughout the process and received 100% reimbursement checks for the wellness visits (that included microchipping the new puppy!) within two weeks! My husband was skeptical but he's a believer now and we know if something major happens to any of them, we can let their care be the most important thing, not the cost. Thanks Embrace!