I purchased two little french bulldog puppies, and decided that it might be a good idea to have them insured. I was not happy with VPI (my previous insurance company) and did all my homework and found Embrace. After two weeks of being on Embrace insurance, once of my puppies was stung by a scorpion. My little frenchie spent 3 days in emergency care in an oxygen box. I truly thought that Embrace would tell me no on covering since I wasn't on their policy long. BUT...THEY ARE AWESOME and covered it. They paid 70% of my bill (and my bill was $4400)! I would highly recommend them.