I have to say that I haven't had pet insurance for years because I had VPI before and it totally turned me off and made me feel like I was wasting my money. With 2 Great Danes now I had to do something as I knew that I'd need some sort of coverage. I was referred to Embrace from a friend with multiple Danes and I have thanked her for her recommendation because I am thoroughly impressed! Thank you for your wonderful customer service and quick claim turnarounds!!!