I have had both of my Labradors insured by EMBRACE from the moment they entered my life and house. I will continue to do so for all future dogs. It is hard enough th have a dog suffering from severe elbow dysplasia, but at least with this insurance I could do the best by her. No question that I would gladly prefer to make no claims and contribute to the insurance pool. My dogs will have better health care than some people with republicans in power.