This is my first experience with pet insurance. After many years of being pet owners, we recently adopted 2 rescue dogs. Not knowing backgrounds of the dogs, we thought it might be a good move. One of our dogs had some minor health problems from the beginning which were considered pre-existing, but by the time we had our first annual physical and the wellness exam was covered, I felt it was a good thing. Then our 2nd dog came down with some serious issues which will take considerable time to treat. Embrace has been responsive to all communications and quick to reimburse claims. We realize we made a great choice with Embrace.