My husband and I purchased pet insurance for our ABPT, Leah, when she was a puppy. Thank God we did ! As much as we love our girl, we would not have been able to care for her medical needs without Embrace. From her allergies, to her ACL surgery, hemilaminectomy, and everything in between, Embrace has provided fair coverage and timely payment for our covered claims. They have been more than a pleasure to work with. I recommend Embrace to all dog owners I know and even to strangers with puppies in Petco.