After spending over $15,000 last year on Vet bills, we finally decided to buy insurance. We researched every company and settled on Embrace because of their Wellness option. We have two Pugs, one 5 and and one 7. Unfortunately, our 7 year old could not get illness coverage, only accident coverage due to his age so we did have to take out a separate policy for him with another company. But the fact that they cover medications, nail clippings, teeth cleaning, flea and tick treatment, etc really sold us. We submitted our first claim flawlessly and received our reimbursement within a week which was great. I highly recommend, especially for a young pet.