My Shih Tzu is 9 months old and I purchased Embrace insurance before I picked her up as a puppy. I spent a lot of time researching the different pet insurance options and reading reviews. While there are a few companies that look to be pretty highly rated overall, I selected Embrace – and I have been very happy. I decided to include a wellness plan as part of my illness plan since a pup’s first year of life has a lot of wellness visits, and the discount from these costs help offset the illness coverage. After each visit, I promptly received the wellness claim payment. Pup has been very healthy and, much to our surprise, tested for high liver enzymes when getting routine blood work for her spay surgery. We moved forward with recommended testing ($650) and a liver biopsy ($500). Since these were the first illness claims, I wasn’t sure how it would go. Embrace did not disappoint. Since I had already submitted her baseline medical records, the claims were reviewed and paid promptly (2 weeks). During these 2 weeks, I contacted customer support to ensure they had all the information they needed and the representative who took my call was very friendly, explained the “under review” process, and confirmed no action was needed by me. I highly recommend Embrace. It is insurance, you may need it, hopefully you will not. But if you do, it eases the financial burden an illness can create.