In May 2009 we lost our beloved 13 year old Jack Russell. We then adopted two schnauzer mixes and decided we would try the insurance this go round. I did alot of research against the big names and finally chose this start up company because they were in Ohio and I wanted to support local businesses. I have been very pleased with the customer support and the quick turn around in processing claims. I will definiately continue to use Embrace Pet. I would not endorse a company in which I wasn't sure about their performance.