Our first frenchie has Trupanion, but premiums increased substantially for our Puppy. So we turned to Embrace and we are so thankful we did. Our 6 month old Frenchie pup broke his tibia in a freak accident and Embrace was there immediately. After the $300 deductible they literally covered 90% of the accident. Not sure what we would have done had we not had them considering the accident cost was upwards of 6k. The one caveat is you have to be able to float everything up front. The first reimbursement took about a month, but then they started rolling in about 2/3 weeks.