With our previous dog, we had gotten pet insurance with a well known national company...and other than routine wellness claims (which went to a deductible), they repeatedly used loopholes and exclusions to deny claims (e.g. a follow up visit for a drug reaction that had caused liver toxicity became "a pre-existing condition"?). When we got a new dog, I asked our vets' front office staff (one in FL and one in NC) which insurance company THEY thought was easiest to work with and had the best coverage. They both said "EMBRACE". We bought a policy from them for our new Lab puppy and all Wellness claims went through easily. This was then followed by 2 events of eating weird things (first at age 1, and recently at age 3+.) Despite having to go to 3 different vet hospitals within 36 hours in order to avoid surgery for a foreign object, Embrace sorted it all out and covered their 80% with no hassle. They processed it all clearly and seamlessly. SO much better that the other company!!!!