Have had many dogs over the years and never thought about pet insurance until I got my first GSD puppy Max. Not only is he covered for health but for Wellness exams too. He will be three at the end of this month and doing very well with only claims for the Wellness visits. Recently he had a growth removed from his right hind paw. I was able to send the preliminary costs to Embrace for review and approval of coverage before the surgery. Max is doing great and I love the fact that I can fax in the claims, get an email that it was received and then an email when the claim was paid and deposited to my back account. With such a special dog I can't image not having this coverage for Max.