I have had Embrace since my dog was a puppy. I started out with the full package (wellness and accident) and have scaled back to just the accident policy now that she is older. My dog has severe skin and allergy issues and we are constantly at the vet for one reason or another. Embrace processes my claims incredibly fast and is always very communicative. The website is easy to navigate. I have never compared pricing or coverage for other pet insurance companies, but I expect to have Embrace for the remainder of my pets life. I highly recommend getting a policy as early as you can. The peace of mind for such a low rate per month, is a no brainer for me.