Wow do I feel dumb! I usually don't make big mistakes but this time I did! I chose Embrace for my sweet pup. Incredibly disorganized, getting the dogs birthdate wrong, claiming a microchip is a prexisting condition among other things and mistakenly would not cover a claim....woops, now they are covering. Canceled policy and moved over to another company. We've had six dogs over the years and thought we should try a new insurer...mistake.