After having used another pet insurance company with our last dog, we decided to try Embrace with our new puppy. We liked what the plan offered and chose to go with their highest coverage plan. So far, it has been great. Vet visits have been easily submitted and they are very good about letting you know the process along the way. While you might think the monthly premiums are a little higher than competitors, please read the fine print. With a new puppy, you want to make sure it's taken care of for a very long time. Highly recommend!